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$18,936
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$598/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$573/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$718/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,617
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,957
−HK$688/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$838/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$803/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,077/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,426
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,031/mo
Today · 4.125%
HK$39,967
baseline
▲ 0.50% · 4.625%
HK$42,074
+HK$2,107/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,934/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,128 · 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).