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$19,029
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$602/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$576/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$721/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$692/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,641
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$842/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$806/mo
Today · 4.125%
HK$31,239
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,478/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,253
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,319
−HK$1,082/mo
Today · 4.125%
HK$36,401
baseline
▲ 0.50% · 4.625%
HK$38,616
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,802/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,106
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,128
−HK$1,037/mo
Today · 4.125%
HK$40,165
baseline
▲ 0.50% · 4.625%
HK$42,282
+HK$2,117/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,330/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,360 · 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).