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$18,877
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$597/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$571/mo
Today · 4.125%
HK$22,135
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,270/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,653
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$716/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$685/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$27,963
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$835/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$799/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$1,074/mo
Today · 4.125%
HK$36,110
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,220/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,029/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,357 · 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).