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$18,881
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$597/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$571/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$716/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$686/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$835/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$800/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,822
−HK$1,029/mo
Today · 4.125%
HK$39,851
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,702/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,401 · 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).