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$18,869
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$596/mo
Today · 4.125%
HK$20,052
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,104/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$571/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$716/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$685/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,239
−HK$834/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,389
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$799/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$1,073/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,028/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,252 · 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).