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$18,935
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$598/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$573/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$838/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$803/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,143
−HK$1,077/mo
Today · 4.125%
HK$36,220
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,440/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,916
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,032/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,071
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,112 · 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).