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$19,060
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$602/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,204
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$577/mo
Today · 4.125%
HK$22,350
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,178/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,700/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$723/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,479/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$692/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.02M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,684
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,514
−HK$844/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$808/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$32,939
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,376
−HK$1,084/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,678
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,191
−HK$1,039/mo
Today · 4.125%
HK$40,230
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,460/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,765 · 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).