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$19,062
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$603/mo
Today · 4.125%
HK$20,258
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,516/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$577/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$723/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$693/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,517
−HK$844/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,689
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,485
−HK$808/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$1,085/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,196
−HK$1,038/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,121/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,792 · 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).