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$18,972
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,562
−HK$600/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$575/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,419
+HK$1,172/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$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,475
−HK$719/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$689/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,103
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$839/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,549
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$804/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,150
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,212
−HK$1,079/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,034/mo
Today · 4.125%
HK$40,044
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,088/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,605 · 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).