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$18,971
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$599/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$574/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$720/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$840/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$804/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$32,785
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,147
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$1,079/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,033/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,152
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,588 · 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).