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$19,061
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$603/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$577/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,873
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$723/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$692/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,235
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$843/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$30,085
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,688
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$807/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$1,085/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,170
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,039/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,121/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,778 · 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).