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$18,907
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$598/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,222/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$573/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,689
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$717/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$687/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$836/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$801/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$1,075/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,030/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,752 · 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).