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$19,056
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$576/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,578
−HK$723/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,439
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$692/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$843/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$807/mo
Today · 4.125%
HK$31,282
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,564/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,367
−HK$1,084/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,669
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,158
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,038/mo
Today · 4.125%
HK$40,220
baseline
▲ 0.50% · 4.625%
HK$42,340
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,440/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,703 · 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).