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$18,873
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$596/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,277
+HK$1,221/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$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,996
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,559
−HK$571/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,297
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$716/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$685/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$835/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,182
−HK$800/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$1,073/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,028/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,299 · 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).