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$18,854
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$596/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$571/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$715/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$685/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,395
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$834/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$799/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$1,073/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,754
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,028/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$41,891
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,046 · 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).