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$18,941
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$599/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$573/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$718/mo
Today · 4.125%
HK$24,155
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,310/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,286
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$688/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$838/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,895
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,292
−HK$803/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,734
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$1,077/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,437
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,930
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,947
−HK$1,032/mo
Today · 4.125%
HK$39,979
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,107/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,958/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,200 · 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).