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$18,931
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$598/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,060
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$573/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$688/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,503
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$837/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,879
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$803/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$1,077/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,031/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,064 · 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).