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$18,959
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$599/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$574/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$719/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,310
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$689/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,084
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,543
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,368
−HK$839/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,528
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$804/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,126
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$1,078/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$2,207/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,965
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,983
−HK$1,033/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,110/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,434 · 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).