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$18,888
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$596/mo
Today · 4.125%
HK$20,072
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,144/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,013
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$572/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$716/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,553
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$686/mo
Today · 4.125%
HK$26,578
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,156/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$835/mo
Today · 4.125%
HK$28,101
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,202/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$800/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,635/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$1,074/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$2,199/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,029/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$41,968
+HK$2,102/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,499 · 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).