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$18,938
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$599/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$573/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$718/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,282
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$688/mo
Today · 4.125%
HK$26,648
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,296/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$838/mo
Today · 4.125%
HK$28,176
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,352/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$803/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,149
−HK$1,078/mo
Today · 4.125%
HK$36,227
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$2,204/mo
Deposit HK$831K · loan HK$7.47M · min. income ≈ HK$72,454/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,924
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,941
−HK$1,031/mo
Today · 4.125%
HK$39,972
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,108/mo
Deposit HK$831K · loan HK$7.47M · min. income ≈ HK$79,944/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,161 · 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).