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$19,074
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$603/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$578/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$724/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$693/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$844/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$808/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,334
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$1,085/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$2,220/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,039/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,382
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,952 · 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).