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$1,182/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$596/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$570/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,629
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$715/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,101 · 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$248,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$834/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$799/mo
Today · 4.125%
HK$30,957
baseline
▲ 0.50% · 4.625%
HK$32,589
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,914/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,101 · 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$38,267
+HK$2,194/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$248,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,027/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,099/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,101 · 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).