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$18,960
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$599/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$574/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$688/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$839/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$804/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,128
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,079/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,033/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,449 · 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).