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$19,076
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$603/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,791
−HK$577/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$724/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$693/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$844/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$809/mo
Today · 4.125%
HK$31,316
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,632/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,405
−HK$1,085/mo
Today · 4.125%
HK$36,490
baseline
▲ 0.50% · 4.625%
HK$38,710
+HK$2,220/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,980/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,224
−HK$1,039/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,385
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,971 · 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).