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$19,038
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$602/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,463
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$576/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$722/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,097
−HK$692/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$843/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$30,048
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,652
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,447
−HK$807/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$32,901
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$1,083/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,633
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,123
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,037/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,301
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,474 · 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).