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$18,872
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$597/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$572/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$716/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$686/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,421
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,243
−HK$835/mo
Today · 4.125%
HK$28,078
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,156/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,182
−HK$800/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$1,074/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,028/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,293 · 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).