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$19,024
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$601/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,231/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$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$576/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$722/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,736
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$691/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,461
−HK$842/mo
Today · 4.125%
HK$28,303
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,606/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$806/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$1,083/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,094
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,116
−HK$1,036/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,282 · 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).