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$19,023
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$601/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$576/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$722/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$691/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,632
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$842/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$806/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$32,875
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$1,082/mo
Today · 4.125%
HK$36,388
baseline
▲ 0.50% · 4.625%
HK$38,602
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,776/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,093
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,114
−HK$1,037/mo
Today · 4.125%
HK$40,151
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,302/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,273 · 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).