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$19,076
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$603/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$578/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$723/mo
Today · 4.125%
HK$24,326
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,652/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$692/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,256
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$844/mo
Today · 4.125%
HK$28,380
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,760/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$808/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$1,085/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$2,220/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,039/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,966 · 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).