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$18,927
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$598/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$573/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$718/mo
Today · 4.125%
HK$24,137
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,274/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$688/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$838/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,069
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$1,076/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,918
−HK$1,031/mo
Today · 4.125%
HK$39,949
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,898/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,013 · 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).