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$1,190/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$600/mo
Today · 4.125%
HK$20,165
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,330/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,110
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$574/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,173/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$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$719/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$689/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,565
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$839/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$804/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$32,792
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,155
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$1,079/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,998
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,033/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,162
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,647 · 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).