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$18,858
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,445
−HK$596/mo
Today · 4.125%
HK$20,041
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$571/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$715/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$685/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,223
−HK$834/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$799/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$1,072/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,027/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,099/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,107 · 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).