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$18,903
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$598/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,222/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$572/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,466/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$686/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$836/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$801/mo
Today · 4.125%
HK$31,032
baseline
▲ 0.50% · 4.625%
HK$32,668
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,064/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$1,076/mo
Today · 4.125%
HK$36,160
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,320/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,030/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,002
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,701 · 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).