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$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$602/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,216
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$577/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,885
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$724/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,479/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$692/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$844/mo
Today · 4.125%
HK$28,373
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,746/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$808/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$1,084/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,188
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,039/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,373
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,899 · 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).