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$19,031
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$601/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$722/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,406
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$691/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$842/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$806/mo
Today · 4.125%
HK$31,241
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,482/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$1,082/mo
Today · 4.125%
HK$36,403
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,806/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,037/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,284
+HK$2,117/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,374 · 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).