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$18,897
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$598/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$572/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$717/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$686/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$837/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,433
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$801/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,015
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,074
−HK$1,075/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,348
+HK$2,199/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,842
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,029/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,624 · 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).