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$19,057
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$603/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$577/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,716 · 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$25,781
+HK$1,479/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$250,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$692/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,716 · 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$250,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$808/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$1,084/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,671
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,038/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$250,716 · 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).