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$19,043
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$602/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,185
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$576/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$722/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$691/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,660
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$843/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,723/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$807/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,277
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$1,083/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,038/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,118/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,534 · 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).