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$19,065
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$603/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$577/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$723/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,792
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$693/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$843/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,490
−HK$808/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,385
−HK$1,084/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$2,220/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,202
−HK$1,038/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,122/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,831 · 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).