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$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$603/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$577/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$723/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$693/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,414/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,698
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$844/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$808/mo
Today · 4.125%
HK$31,306
baseline
▲ 0.50% · 4.625%
HK$32,956
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,612/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,326
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$1,085/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,698
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,039/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,372
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,894 · 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).