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$18,979
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$600/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$574/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$719/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,337
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$689/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$839/mo
Today · 4.125%
HK$28,237
baseline
▲ 0.50% · 4.625%
HK$29,956
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,474/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,560
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$804/mo
Today · 4.125%
HK$31,157
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,314/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$1,079/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,006
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,034/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,701 · 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).