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$18,943
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$599/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$573/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$718/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$688/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$838/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,503
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$802/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,097
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,158
−HK$1,077/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,933
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,032/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,090
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,222 · 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).