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$18,853
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,439
−HK$596/mo
Today · 4.125%
HK$20,035
baseline
▲ 0.50% · 4.625%
HK$21,254
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,070/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,536
−HK$571/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$715/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$685/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$834/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$799/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$1,072/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,027/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,036 · 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).