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$19,030
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$602/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,454
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$721/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,405
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$692/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,189
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$842/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$807/mo
Today · 4.125%
HK$31,241
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,482/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,320
−HK$1,082/mo
Today · 4.125%
HK$36,402
baseline
▲ 0.50% · 4.625%
HK$38,617
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,804/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,036/mo
Today · 4.125%
HK$40,166
baseline
▲ 0.50% · 4.625%
HK$42,284
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,332/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,370 · 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).