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$18,934
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$599/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$573/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$837/mo
Today · 4.125%
HK$28,170
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,340/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$802/mo
Today · 4.125%
HK$31,083
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,166/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$1,077/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,916
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,031/mo
Today · 4.125%
HK$39,964
baseline
▲ 0.50% · 4.625%
HK$42,071
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,928/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,110 · 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).