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$19,075
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$603/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$577/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$723/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$692/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$844/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,709
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$809/mo
Today · 4.125%
HK$31,314
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,628/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$1,085/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,708
+HK$2,220/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,197
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,040/mo
Today · 4.125%
HK$40,261
baseline
▲ 0.50% · 4.625%
HK$42,383
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,522/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,956 · 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).