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$19,058
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,651
−HK$602/mo
Today · 4.125%
HK$20,253
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,506/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$577/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,525
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,870
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$723/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$692/mo
Today · 4.125%
HK$26,817
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,634/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$843/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$30,080
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,683
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$807/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$32,935
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$1,085/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,674
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,187
−HK$1,038/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,735 · 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).