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$18,874
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$596/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$571/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$716/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$686/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$835/mo
Today · 4.125%
HK$28,080
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,160/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,184
−HK$800/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,073/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,029/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,314 · 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).