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$18,907
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$598/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,222/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$572/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$717/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$687/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$837/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$801/mo
Today · 4.125%
HK$31,038
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,076/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$1,076/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,876
−HK$1,030/mo
Today · 4.125%
HK$39,906
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,812/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,747 · 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).