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$18,870
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$596/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$571/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,348
−HK$715/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$686/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,239
−HK$835/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,389
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$800/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$1,073/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,786
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,028/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,256 · 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).