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$18,976
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$600/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$574/mo
Today · 4.125%
HK$22,251
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,502/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$719/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$689/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,109
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$839/mo
Today · 4.125%
HK$28,232
baseline
▲ 0.50% · 4.625%
HK$29,950
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,464/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,555
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$804/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$1,080/mo
Today · 4.125%
HK$36,299
baseline
▲ 0.50% · 4.625%
HK$38,508
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,598/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,999
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,034/mo
Today · 4.125%
HK$40,052
baseline
▲ 0.50% · 4.625%
HK$42,163
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,104/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,657 · 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).