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$18,936
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$599/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$574/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$718/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$687/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$838/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$802/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,078/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,427
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,032/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,133 · 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).