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$19,052
−HK$1,194/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$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,195
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$577/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$722/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,479/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$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$692/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$843/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,672
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$808/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,293
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$1,084/mo
Today · 4.125%
HK$36,443
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$2,218/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,886/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,150
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,174
−HK$1,037/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,331
+HK$2,120/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$250,650 · 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).