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$19,069
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$603/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,498
+HK$1,233/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$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,214
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$577/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,883
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$723/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$692/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,247
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$844/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,726/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$808/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$1,085/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$2,219/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,210
−HK$1,039/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,370
+HK$2,121/mo
Deposit HK$836K · loan HK$7.53M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,882 · 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).