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$19,665
−HK$603/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,233/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$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$578/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$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$724/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,479/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$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$692/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$808/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,960
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,330
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$1,085/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,216
−HK$1,039/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,919 · 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).