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$18,955
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$599/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,225/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$574/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$718/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,643
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$689/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$839/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$803/mo
Today · 4.125%
HK$31,117
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,234/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,119
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$1,079/mo
Today · 4.125%
HK$36,259
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,518/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,033/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,117
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,380 · 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).