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$18,856
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$596/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,978
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$571/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$715/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,173
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$685/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$27,932
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$834/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,369
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$799/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$1,073/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,028/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,600/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,083 · 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).