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$19,059
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$602/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$577/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$723/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$692/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$843/mo
Today · 4.125%
HK$28,356
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,712/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,684
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$807/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$32,937
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,307
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,374
−HK$1,084/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,676
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,166
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,189
−HK$1,039/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,348
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,751 · 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).