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$18,869
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$596/mo
Today · 4.125%
HK$20,052
baseline
▲ 0.50% · 4.625%
HK$21,272
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,104/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,991
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,554
−HK$572/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$716/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$686/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$835/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$800/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,964
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$1,073/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,028/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,248 · 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).