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$18,950
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$599/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,225/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$573/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,171/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,740
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,448
−HK$718/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,471/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$688/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,071
+HK$1,406/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,531
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,356
−HK$838/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,307
−HK$803/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,220/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,111
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$1,078/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,948
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,032/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,319 · 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).