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$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$577/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$723/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$692/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,507
−HK$843/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$807/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$1,084/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,668
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,157
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,038/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,697 · 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).