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$19,027
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$602/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,167
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$576/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$722/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,740
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$691/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,637
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$841/mo
Today · 4.125%
HK$28,307
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,614/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$807/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$1,082/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$2,215/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,037/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,116/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,321 · 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).