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$18,875
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$597/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$571/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$716/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$686/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$836/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,187
−HK$799/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,620
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,976
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,074/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,798
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,029/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,332 · 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).