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$19,054
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$602/mo
Today · 4.125%
HK$20,249
baseline
▲ 0.50% · 4.625%
HK$21,481
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,498/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$576/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,520
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,684/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$722/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,777
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,437
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$692/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,505
−HK$843/mo
Today · 4.125%
HK$28,348
baseline
▲ 0.50% · 4.625%
HK$30,073
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,696/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,676
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,472
−HK$807/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$32,928
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$1,084/mo
Today · 4.125%
HK$36,448
baseline
▲ 0.50% · 4.625%
HK$38,665
+HK$2,217/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,896/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,155
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,038/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,680 · 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).