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$1,190/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$600/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,338/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$574/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$719/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,675
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,016
−HK$689/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,113
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$839/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,352
−HK$804/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,224
−HK$1,080/mo
Today · 4.125%
HK$36,304
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,608/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,004
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,034/mo
Today · 4.125%
HK$40,058
baseline
▲ 0.50% · 4.625%
HK$42,169
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,116/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,691 · 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).