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$18,953
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$599/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$574/mo
Today · 4.125%
HK$22,224
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,448/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$719/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,640
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,980
−HK$689/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$839/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,914
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,310
−HK$804/mo
Today · 4.125%
HK$31,114
baseline
▲ 0.50% · 4.625%
HK$32,754
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,228/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$1,078/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,032/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,352 · 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).