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$18,898
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$598/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,306
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$572/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,328
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$716/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$686/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$836/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$801/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$1,075/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,029/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,636 · 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).