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$19,068
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$602/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$578/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$723/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,480/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$692/mo
Today · 4.125%
HK$26,831
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,415/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,662/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$844/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$30,096
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,495
−HK$808/mo
Today · 4.125%
HK$31,303
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,606/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$1,085/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,039/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,872 · 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).