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$18,921
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$598/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,331
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$573/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,356
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$717/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,260
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$687/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,028
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$837/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$802/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,058
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$1,076/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,396
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,030/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,936 · 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).