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$19,077
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$603/mo
Today · 4.125%
HK$20,274
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,548/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,223
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$577/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$724/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,809
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$693/mo
Today · 4.125%
HK$26,844
baseline
▲ 0.50% · 4.625%
HK$28,259
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,688/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,539
−HK$844/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$808/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$32,969
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,339
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$1,085/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$2,220/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,039/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,991 · 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).