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$19,073
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,666
−HK$603/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$577/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$723/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$693/mo
Today · 4.125%
HK$26,838
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,676/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,533
−HK$844/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,754/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,706
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,503
−HK$808/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$1,084/mo
Today · 4.125%
HK$36,484
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,968/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,039/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,934 · 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).