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$19,072
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,666
−HK$602/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,787
−HK$577/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$723/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$693/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,532
−HK$844/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,705
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$808/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$32,960
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,330
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$1,085/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,703
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,192
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,217
−HK$1,039/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,378
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,512/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,926 · 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).