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$18,867
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$596/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$571/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$716/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$686/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$835/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,778
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,385
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,173
−HK$799/mo
Today · 4.125%
HK$30,972
baseline
▲ 0.50% · 4.625%
HK$32,605
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,944/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$1,073/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,028/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,220 · 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).