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$18,903
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$597/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,223/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,029
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,593
−HK$573/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$717/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,235
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$687/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,464
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$837/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,441
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$801/mo
Today · 4.125%
HK$31,032
baseline
▲ 0.50% · 4.625%
HK$32,668
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,064/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,025
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$1,075/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,030/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,696 · 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).