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$19,047
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$602/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$577/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$722/mo
Today · 4.125%
HK$24,290
baseline
▲ 0.50% · 4.625%
HK$25,768
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,580/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,428
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$691/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,214
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,666
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,495
−HK$843/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$30,063
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$807/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$1,084/mo
Today · 4.125%
HK$36,435
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,870/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,037/mo
Today · 4.125%
HK$40,202
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,404/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,593 · 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).