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$19,070
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$602/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,530/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$577/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$724/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,479/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$693/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$844/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$808/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,650/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$1,085/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,956/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,211
−HK$1,039/mo
Today · 4.125%
HK$40,250
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,500/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,888 · 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).