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$19,050
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$602/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,231/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$577/mo
Today · 4.125%
HK$22,338
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,676/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$723/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$691/mo
Today · 4.125%
HK$26,805
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,610/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$842/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$807/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,290
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$1,083/mo
Today · 4.125%
HK$36,440
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$2,218/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,880/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,147
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,170
−HK$1,038/mo
Today · 4.125%
HK$40,208
baseline
▲ 0.50% · 4.625%
HK$42,328
+HK$2,120/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,416/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,630 · 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).