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$18,957
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$599/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$574/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,749
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$719/mo
Today · 4.125%
HK$24,175
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,350/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$689/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$838/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$804/mo
Today · 4.125%
HK$31,121
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,242/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,123
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$1,079/mo
Today · 4.125%
HK$36,263
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,526/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,032/mo
Today · 4.125%
HK$40,012
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,110/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,024/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,410 · 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).