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$19,021
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,613
−HK$601/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,444
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,161
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$576/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,480
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$722/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$691/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,176
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$842/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,721/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,420
−HK$806/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$1,082/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,036/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,264
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,251 · 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).