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$1,189/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$574/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$719/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$688/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$838/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,916
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,313
−HK$803/mo
Today · 4.125%
HK$31,116
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,232/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,179
−HK$1,078/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,464
+HK$2,207/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,956
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,974
−HK$1,033/mo
Today · 4.125%
HK$40,007
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,014/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,373 · 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).