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$19,029
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$602/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$576/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$721/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$691/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,187
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,640
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$842/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$806/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,317
−HK$1,082/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$2,215/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,037/mo
Today · 4.125%
HK$40,163
baseline
▲ 0.50% · 4.625%
HK$42,280
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,326/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,348 · 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).