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$19,027
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$602/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$575/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$722/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$691/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$842/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$806/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$32,883
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$1,082/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$2,215/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,102
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,037/mo
Today · 4.125%
HK$40,161
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,322/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,333 · 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).