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$19,052
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$602/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,479
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,195
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,764
−HK$576/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,518
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$723/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$692/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$843/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$807/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,925
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,293
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,360
−HK$1,084/mo
Today · 4.125%
HK$36,444
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$2,217/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,888/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,151
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,174
−HK$1,038/mo
Today · 4.125%
HK$40,212
baseline
▲ 0.50% · 4.625%
HK$42,332
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,424/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,656 · 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).