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$18,915
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$598/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$572/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$717/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$687/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$837/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,459
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$802/mo
Today · 4.125%
HK$31,051
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,102/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,046
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$1,076/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$2,201/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,031/mo
Today · 4.125%
HK$39,923
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,104/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,846/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,850 · 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).