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$18,883
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$597/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,288
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,007
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$571/mo
Today · 4.125%
HK$22,142
baseline
▲ 0.50% · 4.625%
HK$23,309
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,284/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$716/mo
Today · 4.125%
HK$24,081
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,162/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,209
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$686/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,259
−HK$835/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,199
−HK$800/mo
Today · 4.125%
HK$30,999
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,998/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$1,074/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,319
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,029/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,434 · 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).