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$18,925
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$598/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$573/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$718/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$687/mo
Today · 4.125%
HK$26,630
baseline
▲ 0.50% · 4.625%
HK$28,034
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,260/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$837/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$802/mo
Today · 4.125%
HK$31,069
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,138/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,125
−HK$1,077/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,405
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,914
−HK$1,031/mo
Today · 4.125%
HK$39,945
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,890/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,992 · 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).