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$18,957
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$599/mo
Today · 4.125%
HK$20,145
baseline
▲ 0.50% · 4.625%
HK$21,371
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,290/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$573/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,748
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$719/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,307
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$689/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,539
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$838/mo
Today · 4.125%
HK$28,203
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,406/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,316
−HK$804/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$1,079/mo
Today · 4.125%
HK$36,262
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,524/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,960
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,033/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,401 · 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).