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$18,908
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,496
−HK$598/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$573/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$687/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$836/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$801/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$1,076/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,863
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,030/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,764 · 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).