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$18,951
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$598/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$574/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$718/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,471/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$688/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,532
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$838/mo
Today · 4.125%
HK$28,195
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,390/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,308
−HK$803/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$1,078/mo
Today · 4.125%
HK$36,251
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,502/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,033/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,329 · 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).