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$18,964
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$599/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,097
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$574/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$720/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$689/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$839/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,536
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$803/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,641/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,078/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,208/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,033/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,136
+HK$2,110/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,495 · 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).