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$18,872
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$596/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$571/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$715/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$686/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,421
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$835/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$800/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,614
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,074/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,804
−HK$1,028/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,287 · 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).