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$19,035
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$601/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$576/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$722/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$691/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$842/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$807/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$1,083/mo
Today · 4.125%
HK$36,411
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$2,216/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,822/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,117
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,139
−HK$1,037/mo
Today · 4.125%
HK$40,176
baseline
▲ 0.50% · 4.625%
HK$42,294
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,352/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,429 · 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).