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$18,947
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$574/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$719/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$688/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,526
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$838/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$803/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$1,078/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,032/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,282 · 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).