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$18,945
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$598/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,226/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$573/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,386
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$718/mo
Today · 4.125%
HK$24,160
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,320/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$688/mo
Today · 4.125%
HK$26,658
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,316/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$838/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$802/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,102
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$1,078/mo
Today · 4.125%
HK$36,240
baseline
▲ 0.50% · 4.625%
HK$38,445
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,480/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,938
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,032/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,254 · 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).