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$19,022
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$601/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,162
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$575/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$721/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,394
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,075
−HK$691/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$842/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,421
−HK$806/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,240
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$1,082/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,036/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,264 · 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).