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$18,970
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$599/mo
Today · 4.125%
HK$20,159
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,318/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$574/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$719/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$689/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,558
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$839/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$803/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$1,079/mo
Today · 4.125%
HK$36,287
baseline
▲ 0.50% · 4.625%
HK$38,495
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,574/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,005
−HK$1,034/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,149
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,575 · 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).