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$19,033
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,625
−HK$601/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,174
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$576/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$722/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$692/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,475
−HK$842/mo
Today · 4.125%
HK$28,317
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,634/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,644
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,439
−HK$806/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,259
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$1,083/mo
Today · 4.125%
HK$36,408
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,816/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,135
−HK$1,037/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,406 · 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).