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$19,072
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$603/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$577/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,542
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$723/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$693/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$808/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,329
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$1,085/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,220/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,215
−HK$1,039/mo
Today · 4.125%
HK$40,254
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,508/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,916 · 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).