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$18,958
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$599/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$574/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$719/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,987
−HK$689/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$838/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$803/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$1,078/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,471
+HK$2,207/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,033/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,419 · 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).