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$19,042
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$602/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$576/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$722/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$692/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$842/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,658
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$807/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,647/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$1,083/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,642
+HK$2,216/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,132
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,037/mo
Today · 4.125%
HK$40,192
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,119/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,384/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,530 · 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).