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$18,976
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$599/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$575/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,772
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$720/mo
Today · 4.125%
HK$24,200
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,400/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$689/mo
Today · 4.125%
HK$26,702
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,404/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,567
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$840/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$804/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,158
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$1,080/mo
Today · 4.125%
HK$36,300
baseline
▲ 0.50% · 4.625%
HK$38,508
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,600/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,000
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,034/mo
Today · 4.125%
HK$40,053
baseline
▲ 0.50% · 4.625%
HK$42,164
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,106/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,663 · 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).