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$18,931
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$599/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$573/mo
Today · 4.125%
HK$22,199
baseline
▲ 0.50% · 4.625%
HK$23,369
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,398/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$688/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$838/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$802/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$1,077/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,417
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,910
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,032/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,070 · 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).