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$19,067
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$602/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,495
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,780
−HK$577/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$693/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$843/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$30,093
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,696
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,492
−HK$808/mo
Today · 4.125%
HK$31,300
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,600/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$1,085/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,181
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,038/mo
Today · 4.125%
HK$40,243
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,486/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,849 · 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).