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$18,956
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$599/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,226/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$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$573/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,399
+HK$1,172/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$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,747
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$719/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$689/mo
Today · 4.125%
HK$26,673
baseline
▲ 0.50% · 4.625%
HK$28,079
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,346/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,538
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$839/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$803/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,120
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$1,079/mo
Today · 4.125%
HK$36,260
baseline
▲ 0.50% · 4.625%
HK$38,466
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,520/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,033/mo
Today · 4.125%
HK$40,009
baseline
▲ 0.50% · 4.625%
HK$42,118
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,018/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,389 · 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).