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$18,975
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$599/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$575/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$719/mo
Today · 4.125%
HK$24,197
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,394/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$689/mo
Today · 4.125%
HK$26,699
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,398/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,391
−HK$839/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,948
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,553
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$804/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,154
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$1,079/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,996
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,034/mo
Today · 4.125%
HK$40,049
baseline
▲ 0.50% · 4.625%
HK$42,160
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,098/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,638 · 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).