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$18,913
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$598/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$572/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$717/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,249
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$687/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,016
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$837/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,457
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$801/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,685
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$1,076/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$2,202/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,889
−HK$1,030/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,828 · 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).