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$18,946
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$598/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$573/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$718/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$688/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$838/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,300
−HK$803/mo
Today · 4.125%
HK$31,103
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,206/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$1,078/mo
Today · 4.125%
HK$36,242
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,484/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,032/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,264 · 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).