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$18,875
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$596/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$571/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$716/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$686/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$835/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,790
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,397
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$799/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,031
−HK$1,074/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,796
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,028/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,324 · 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).