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$19,063
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,656
−HK$603/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,491
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,208
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,776
−HK$577/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,587
−HK$723/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,480/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,449
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$692/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$843/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$808/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$32,944
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,381
−HK$1,084/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,684
+HK$2,219/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,174
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,039/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,121/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,803 · 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).