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$18,981
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$600/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$574/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,778
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$720/mo
Today · 4.125%
HK$24,206
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,412/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,340
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$690/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,117
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,574
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$840/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$804/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$32,803
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$1,080/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,034/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,726 · 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).