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$19,044
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$601/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$576/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,508
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,662/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$722/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$691/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,662
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$843/mo
Today · 4.125%
HK$28,334
baseline
▲ 0.50% · 4.625%
HK$30,058
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,668/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,661
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,457
−HK$807/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$1,083/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,037/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,315
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,555 · 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).