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$18,940
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$599/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,635
−HK$574/mo
Today · 4.125%
HK$22,209
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,418/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$718/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$687/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$838/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,498
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$802/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$1,078/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$2,204/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,032/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,107/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,181 · 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).