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$19,067
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$603/mo
Today · 4.125%
HK$20,263
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,526/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$577/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,480/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$692/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,415/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$844/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,697
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$808/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,321
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$1,085/mo
Today · 4.125%
HK$36,473
baseline
▲ 0.50% · 4.625%
HK$38,692
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,946/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,181
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,039/mo
Today · 4.125%
HK$40,244
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,488/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,854 · 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).