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$18,925
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$598/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,335
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$573/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,710
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,416
−HK$718/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$687/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,495
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$837/mo
Today · 4.125%
HK$28,156
baseline
▲ 0.50% · 4.625%
HK$29,869
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,312/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$802/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,124
−HK$1,077/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,896
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,031/mo
Today · 4.125%
HK$39,944
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,888/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,981 · 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).