The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,878
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,466
−HK$596/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$572/mo
Today · 4.125%
HK$22,137
baseline
▲ 0.50% · 4.625%
HK$23,304
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,274/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$716/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,202
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,878
−HK$686/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$27,964
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,252
−HK$835/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,191
−HK$800/mo
Today · 4.125%
HK$30,991
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,982/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,038
−HK$1,074/mo
Today · 4.125%
HK$36,112
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,224/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,817
−HK$1,029/mo
Today · 4.125%
HK$39,846
baseline
▲ 0.50% · 4.625%
HK$41,946
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,692/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,372 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).