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$18,966
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$599/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$574/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$719/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$689/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$839/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$804/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,138
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$1,079/mo
Today · 4.125%
HK$36,279
baseline
▲ 0.50% · 4.625%
HK$38,486
+HK$2,207/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,558/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,997
−HK$1,033/mo
Today · 4.125%
HK$40,030
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,060/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,520 · 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).