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$18,934
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$598/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,345
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$573/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$718/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$688/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$838/mo
Today · 4.125%
HK$28,170
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,340/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,280
−HK$802/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,081
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,141
−HK$1,077/mo
Today · 4.125%
HK$36,218
baseline
▲ 0.50% · 4.625%
HK$38,422
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,436/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,915
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,931
−HK$1,032/mo
Today · 4.125%
HK$39,963
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,926/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,101 · 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).