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$19,074
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,667
−HK$603/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$577/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$723/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$692/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,254
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,534
−HK$844/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$30,105
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$809/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,333
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,401
−HK$1,085/mo
Today · 4.125%
HK$36,486
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$2,221/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,972/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,220
−HK$1,039/mo
Today · 4.125%
HK$40,259
baseline
▲ 0.50% · 4.625%
HK$42,381
+HK$2,122/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,518/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,948 · 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).