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$18,933
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$598/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,345
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,063
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$573/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$688/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$838/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,882
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$802/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,719
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$1,077/mo
Today · 4.125%
HK$36,217
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,434/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,031/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,092 · 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).