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$18,950
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$599/mo
Today · 4.125%
HK$20,138
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,225/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,276/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$573/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,739
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$718/mo
Today · 4.125%
HK$24,165
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,471/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,330/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,297
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$688/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$838/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$803/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,109
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$1,078/mo
Today · 4.125%
HK$36,248
baseline
▲ 0.50% · 4.625%
HK$38,454
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,496/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,946
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,964
−HK$1,032/mo
Today · 4.125%
HK$39,996
baseline
▲ 0.50% · 4.625%
HK$42,105
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,992/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,309 · 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).