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$19,024
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$601/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$576/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$721/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,736
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$691/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,180
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$842/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$806/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$1,082/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$2,215/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,036/mo
Today · 4.125%
HK$40,153
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,306/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,286 · 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).