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$18,905
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$598/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,222/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,032
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$572/mo
Today · 4.125%
HK$22,168
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,336/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$717/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$687/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$837/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$801/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$1,075/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,030/mo
Today · 4.125%
HK$39,902
baseline
▲ 0.50% · 4.625%
HK$42,006
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,804/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,724 · 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).