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$19,042
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$602/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$576/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$722/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$692/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,488
−HK$842/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,657
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,453
−HK$807/mo
Today · 4.125%
HK$31,260
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,647/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,520/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$1,084/mo
Today · 4.125%
HK$36,425
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$2,216/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,850/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,037/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,309
+HK$2,118/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,522 · 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).