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$19,036
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$601/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,177
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$576/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$722/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$691/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$842/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,443
−HK$806/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,648/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,264
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$1,083/mo
Today · 4.125%
HK$36,413
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,826/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,118
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,037/mo
Today · 4.125%
HK$40,178
baseline
▲ 0.50% · 4.625%
HK$42,296
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,356/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,440 · 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).