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$18,954
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$599/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$574/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,396
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$719/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,982
−HK$688/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,076
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,535
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$838/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,520
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$803/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,178
−HK$1,078/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,462
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,954
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,972
−HK$1,033/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,114
+HK$2,109/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,363 · 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).