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$19,025
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$601/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,165
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,733
−HK$576/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,830
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$722/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$691/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,635
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$842/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$30,028
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,632
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$806/mo
Today · 4.125%
HK$31,232
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,464/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$1,082/mo
Today · 4.125%
HK$36,393
baseline
▲ 0.50% · 4.625%
HK$38,607
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,786/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,098
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,120
−HK$1,036/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,273
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,305 · 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).