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$18,967
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$600/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$574/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,414
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,761
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$719/mo
Today · 4.125%
HK$24,188
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,376/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,321
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,000
−HK$689/mo
Today · 4.125%
HK$26,689
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,378/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$840/mo
Today · 4.125%
HK$28,220
baseline
▲ 0.50% · 4.625%
HK$29,937
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,440/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$804/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,203
−HK$1,079/mo
Today · 4.125%
HK$36,282
baseline
▲ 0.50% · 4.625%
HK$38,490
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,564/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,982
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,001
−HK$1,033/mo
Today · 4.125%
HK$40,034
baseline
▲ 0.50% · 4.625%
HK$42,144
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,068/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,545 · 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).