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$18,949
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$598/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$574/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,739
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$719/mo
Today · 4.125%
HK$24,165
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,330/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,297
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$689/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,069
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,354
−HK$838/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,908
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$803/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$1,078/mo
Today · 4.125%
HK$36,247
baseline
▲ 0.50% · 4.625%
HK$38,453
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,494/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,945
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,963
−HK$1,032/mo
Today · 4.125%
HK$39,995
baseline
▲ 0.50% · 4.625%
HK$42,104
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,990/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,303 · 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).