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$18,945
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,534
−HK$599/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,358
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,076
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$573/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,441
−HK$718/mo
Today · 4.125%
HK$24,159
baseline
▲ 0.50% · 4.625%
HK$25,629
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,318/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,291
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,969
−HK$688/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$839/mo
Today · 4.125%
HK$28,186
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,372/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,506
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$803/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$1,078/mo
Today · 4.125%
HK$36,239
baseline
▲ 0.50% · 4.625%
HK$38,444
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,478/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,032/mo
Today · 4.125%
HK$39,986
baseline
▲ 0.50% · 4.625%
HK$42,094
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,972/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,244 · 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).