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$18,946
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$599/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$574/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$719/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$688/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$839/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$803/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,163
−HK$1,078/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,446
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,956
−HK$1,033/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,096
+HK$2,107/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,261 · 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).