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$19,041
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$602/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$576/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,504
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$691/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$842/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,451
−HK$807/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,647/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,083/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$2,216/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,037/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,506 · 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).