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$18,970
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$599/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$575/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$719/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$839/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$803/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,147
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,209
−HK$1,079/mo
Today · 4.125%
HK$36,288
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,576/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,988
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,007
−HK$1,033/mo
Today · 4.125%
HK$40,040
baseline
▲ 0.50% · 4.625%
HK$42,151
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,080/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,583 · 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).