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$19,046
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$602/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,188
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$577/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,855
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$722/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$692/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$843/mo
Today · 4.125%
HK$28,336
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,672/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$807/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$32,914
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$1,084/mo
Today · 4.125%
HK$36,432
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,864/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,038/mo
Today · 4.125%
HK$40,199
baseline
▲ 0.50% · 4.625%
HK$42,318
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,398/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,571 · 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).