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$18,879
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,466
−HK$597/mo
Today · 4.125%
HK$20,063
baseline
▲ 0.50% · 4.625%
HK$21,284
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,126/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,566
−HK$571/mo
Today · 4.125%
HK$22,137
baseline
▲ 0.50% · 4.625%
HK$23,304
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,274/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,655
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$716/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,203
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$686/mo
Today · 4.125%
HK$26,565
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,130/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$835/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,192
−HK$800/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,074/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,311
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,028/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,380 · 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).