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$21,390
+HK$1,227/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$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$574/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,768
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$720/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$690/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,563
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$839/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,946
+HK$1,718/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$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,551
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,343
−HK$804/mo
Today · 4.125%
HK$31,147
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,294/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,152
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,214
−HK$1,080/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,502
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,994
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,013
−HK$1,033/mo
Today · 4.125%
HK$40,046
baseline
▲ 0.50% · 4.625%
HK$42,157
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,092/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,621 · 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).