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$18,924
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$598/mo
Today · 4.125%
HK$20,110
baseline
▲ 0.50% · 4.625%
HK$21,334
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,220/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,052
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$573/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,708
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$718/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$687/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$838/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$802/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$1,077/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,031/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,047
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,969 · 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).