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$18,906
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$597/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,032
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$573/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,337
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$716/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$686/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$837/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,445
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$801/mo
Today · 4.125%
HK$31,036
baseline
▲ 0.50% · 4.625%
HK$32,672
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,072/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,089
−HK$1,075/mo
Today · 4.125%
HK$36,164
baseline
▲ 0.50% · 4.625%
HK$38,365
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,328/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,858
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,874
−HK$1,030/mo
Today · 4.125%
HK$39,904
baseline
▲ 0.50% · 4.625%
HK$42,007
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,808/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,732 · 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).