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$18,969
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$599/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$574/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,415
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$719/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$689/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,098
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$840/mo
Today · 4.125%
HK$28,222
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,444/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$804/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$32,781
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,144
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,206
−HK$1,079/mo
Today · 4.125%
HK$36,285
baseline
▲ 0.50% · 4.625%
HK$38,493
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,570/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,004
−HK$1,033/mo
Today · 4.125%
HK$40,037
baseline
▲ 0.50% · 4.625%
HK$42,147
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,074/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,563 · 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).