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$19,080
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$603/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$577/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$724/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,472
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$693/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,712
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$844/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$808/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$1,086/mo
Today · 4.125%
HK$36,498
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,996/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,040/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,025 · 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).