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$18,889
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$597/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,013
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,577
−HK$572/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$716/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,554
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$687/mo
Today · 4.125%
HK$26,579
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,158/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$835/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$800/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,075/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$2,198/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,029/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,101/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,508 · 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).