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$19,029
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$601/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$576/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$722/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$691/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,641
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$842/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$807/mo
Today · 4.125%
HK$31,239
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,478/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$1,082/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,106
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,037/mo
Today · 4.125%
HK$40,164
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,117/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,328/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,356 · 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).