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$18,963
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$599/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$574/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$719/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$689/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,089
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,548
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$839/mo
Today · 4.125%
HK$28,213
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,426/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,534
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$804/mo
Today · 4.125%
HK$31,130
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,641/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,260/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$1,078/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$2,208/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,033/mo
Today · 4.125%
HK$40,024
baseline
▲ 0.50% · 4.625%
HK$42,134
+HK$2,110/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,048/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,482 · 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).