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$18,928
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$599/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$572/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$717/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,268
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$687/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$837/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$802/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$1,077/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,031/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,020 · 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).