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$18,939
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$599/mo
Today · 4.125%
HK$20,127
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,254/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,635
−HK$573/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$718/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,304/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$688/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,340
−HK$838/mo
Today · 4.125%
HK$28,178
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,356/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,498
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,289
−HK$802/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,151
−HK$1,078/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,433
+HK$2,204/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,926
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,032/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,082
+HK$2,107/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,174 · 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).