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$1,187/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$598/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$572/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,170/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$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$717/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$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$687/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,484
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,308
−HK$837/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,858
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$801/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,692
+HK$1,637/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$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,051
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$1,076/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,898
−HK$1,030/mo
Today · 4.125%
HK$39,928
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,856/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,886 · 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).