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$18,895
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,483
−HK$597/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,585
−HK$572/mo
Today · 4.125%
HK$22,157
baseline
▲ 0.50% · 4.625%
HK$23,325
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,314/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,675
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,380
−HK$716/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,563
+HK$1,467/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$686/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$837/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$800/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,012
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$1,075/mo
Today · 4.125%
HK$36,145
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$2,199/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,290/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,029/mo
Today · 4.125%
HK$39,882
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,764/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,597 · 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).