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$18,876
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$597/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$571/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$716/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$686/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$836/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,399
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$800/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,621
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,976/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$1,074/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,028/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,342 · 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).