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$19,049
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$602/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$577/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$723/mo
Today · 4.125%
HK$24,293
baseline
▲ 0.50% · 4.625%
HK$25,771
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$691/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,217
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$843/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$807/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$32,920
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$1,084/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,146
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,038/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,326
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,620 · 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).