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$18,944
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$599/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$573/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$718/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$688/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$838/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,505
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,296
−HK$803/mo
Today · 4.125%
HK$31,099
baseline
▲ 0.50% · 4.625%
HK$32,738
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,198/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,078/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,935
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,952
−HK$1,032/mo
Today · 4.125%
HK$39,984
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,968/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,233 · 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).