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$18,859
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$596/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$571/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,631
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$715/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$685/mo
Today · 4.125%
HK$26,537
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,074/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,403
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$834/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$800/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,002
−HK$1,073/mo
Today · 4.125%
HK$36,075
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,150/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,778
−HK$1,027/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$41,903
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,118 · 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).