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$18,973
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$600/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,107
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$574/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,767
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$719/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$689/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$840/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$804/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,151
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$1,080/mo
Today · 4.125%
HK$36,293
baseline
▲ 0.50% · 4.625%
HK$38,501
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,586/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,993
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,012
−HK$1,033/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,615 · 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).