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$18,919
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$598/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$573/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,702
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$718/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$688/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,486
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$837/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$801/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,053
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$1,076/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,031/mo
Today · 4.125%
HK$39,931
baseline
▲ 0.50% · 4.625%
HK$42,036
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,862/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,901 · 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).