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$18,949
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$599/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,080
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$573/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,390
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,738
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$718/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,471/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$688/mo
Today · 4.125%
HK$26,663
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,326/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$839/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$803/mo
Today · 4.125%
HK$31,107
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,214/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$1,077/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,032/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,103
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,297 · 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).