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$18,896
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$597/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$572/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,675
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$716/mo
Today · 4.125%
HK$24,097
baseline
▲ 0.50% · 4.625%
HK$25,564
+HK$1,467/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,194/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$686/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,455
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$836/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,824
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$801/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,656
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$1,075/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,854
−HK$1,030/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,607 · 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).