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$18,961
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$600/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$574/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$689/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$838/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$803/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,641/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$1,078/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$2,207/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,033/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,109/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,454 · 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).