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$19,027
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$601/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,735
−HK$576/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$722/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$691/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$842/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$807/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,314
−HK$1,083/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,611
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,102
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,036/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,331 · 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).