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$19,068
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$602/mo
Today · 4.125%
HK$20,263
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,526/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$578/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$723/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,480/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$692/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,415/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,695
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,525
−HK$844/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$808/mo
Today · 4.125%
HK$31,302
baseline
▲ 0.50% · 4.625%
HK$32,952
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,604/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$1,085/mo
Today · 4.125%
HK$36,474
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,948/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,039/mo
Today · 4.125%
HK$40,246
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,492/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,863 · 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).