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$19,504
−HK$597/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$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$573/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$718/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$687/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$837/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,460
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$802/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$1,076/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$2,202/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$248,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,877
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,031/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,028
+HK$2,104/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,856 · 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).