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$18,928
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,517
−HK$598/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$573/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$718/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$688/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$838/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$802/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$1,077/mo
Today · 4.125%
HK$36,207
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,414/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,032/mo
Today · 4.125%
HK$39,951
baseline
▲ 0.50% · 4.625%
HK$42,057
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,902/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,025 · 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).