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$18,870
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$596/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$571/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,644
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,348
−HK$716/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$685/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$834/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,178
−HK$799/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$1,074/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,028/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,260 · 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).