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$19,056
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$602/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$576/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,868
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$723/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$692/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$843/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$807/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,368
−HK$1,084/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,039/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,713 · 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).