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$19,034
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$601/mo
Today · 4.125%
HK$20,227
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,454/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$576/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$722/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$691/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$842/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,645
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$806/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,326
−HK$1,083/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,037/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,117/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,414 · 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).