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$18,923
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$598/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,333
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$573/mo
Today · 4.125%
HK$22,189
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,378/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,414
−HK$717/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,262
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$688/mo
Today · 4.125%
HK$26,627
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,254/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$837/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$802/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,702
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,061
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$1,076/mo
Today · 4.125%
HK$36,197
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,394/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,893
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,031/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,957 · 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).