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$18,904
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$597/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$572/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,237
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$687/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,289
−HK$836/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$801/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,075/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,030/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,003
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,710 · 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).