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$18,872
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$597/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$571/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$716/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$685/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,421
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,243
−HK$835/mo
Today · 4.125%
HK$28,078
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,156/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$800/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,614
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,074/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,028/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,290 · 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).