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$19,032
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$601/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,172
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$576/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$722/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,088
−HK$692/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,644
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$842/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,641
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$807/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,257
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,323
−HK$1,082/mo
Today · 4.125%
HK$36,405
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,810/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,036/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,287
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,388 · 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).