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$18,982
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$600/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$574/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,778
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$720/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,341
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$690/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,575
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$840/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$804/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$32,804
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$1,080/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,519
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,035/mo
Today · 4.125%
HK$40,065
baseline
▲ 0.50% · 4.625%
HK$42,176
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,130/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,735 · 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).