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$19,066
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$603/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,780
−HK$577/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,535
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$723/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$693/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,523
−HK$843/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$808/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$1,085/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,039/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,840 · 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).