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$19,046
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$602/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,189
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$577/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$722/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$691/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$843/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$807/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,283
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,350
−HK$1,083/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,140
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,163
−HK$1,038/mo
Today · 4.125%
HK$40,201
baseline
▲ 0.50% · 4.625%
HK$42,320
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,402/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,582 · 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).