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$18,863
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$596/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$570/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$715/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$685/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$27,941
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$835/mo
Today · 4.125%
HK$28,064
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,128/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$799/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,598
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,009
−HK$1,073/mo
Today · 4.125%
HK$36,082
baseline
▲ 0.50% · 4.625%
HK$38,278
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,164/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,027/mo
Today · 4.125%
HK$39,813
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,626/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,168 · 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).