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$18,964
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$600/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,664
−HK$574/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$719/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,656
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$689/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$839/mo
Today · 4.125%
HK$28,215
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,430/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$804/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,136
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$1,079/mo
Today · 4.125%
HK$36,277
baseline
▲ 0.50% · 4.625%
HK$38,484
+HK$2,207/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,554/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,976
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,034/mo
Today · 4.125%
HK$40,028
baseline
▲ 0.50% · 4.625%
HK$42,138
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,056/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,505 · 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).