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$19,037
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$602/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,178
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$577/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,499
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,844
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$722/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$691/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,199
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$842/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$30,046
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$807/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$1,083/mo
Today · 4.125%
HK$36,415
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$2,216/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,830/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,037/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,459 · 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).