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$18,916
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$598/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$572/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$717/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,591
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$687/mo
Today · 4.125%
HK$26,618
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,236/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$837/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,462
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,252
−HK$802/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$1,076/mo
Today · 4.125%
HK$36,185
baseline
▲ 0.50% · 4.625%
HK$38,387
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,370/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,880
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,030/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,031
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,873 · 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).