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$18,858
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,445
−HK$596/mo
Today · 4.125%
HK$20,041
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$571/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,165/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$716/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$685/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$835/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$799/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,027/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,104 · 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).