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$18,929
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$598/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$573/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$718/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,608
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$688/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$838/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,876
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$802/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$1,077/mo
Today · 4.125%
HK$36,209
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,418/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,905
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,922
−HK$1,031/mo
Today · 4.125%
HK$39,953
baseline
▲ 0.50% · 4.625%
HK$42,059
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,906/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,041 · 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).