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$18,917
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$598/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$573/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$718/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,254
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$687/mo
Today · 4.125%
HK$26,618
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,236/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,484
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$837/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$802/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,110/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,110
−HK$1,076/mo
Today · 4.125%
HK$36,186
baseline
▲ 0.50% · 4.625%
HK$38,387
+HK$2,201/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,372/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,881
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,897
−HK$1,030/mo
Today · 4.125%
HK$39,927
baseline
▲ 0.50% · 4.625%
HK$42,032
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,854/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,879 · 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).