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$18,929
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,517
−HK$599/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$573/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$718/mo
Today · 4.125%
HK$24,139
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,278/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,947
−HK$688/mo
Today · 4.125%
HK$26,635
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,270/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$838/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$802/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,712
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,131
−HK$1,077/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,411
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,904
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,921
−HK$1,031/mo
Today · 4.125%
HK$39,952
baseline
▲ 0.50% · 4.625%
HK$42,058
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,904/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,033 · 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).