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$19,051
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$602/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$576/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,861
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$723/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,773
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,433
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$692/mo
Today · 4.125%
HK$26,807
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,614/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$843/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,672
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$807/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,292
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$1,083/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$2,218/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,150
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,173
−HK$1,038/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,330
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,645 · 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).