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$19,041
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$601/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$577/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$722/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$691/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,412/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$842/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,724/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$807/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$32,906
+HK$1,647/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,274
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,340
−HK$1,083/mo
Today · 4.125%
HK$36,423
baseline
▲ 0.50% · 4.625%
HK$38,640
+HK$2,217/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,846/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,130
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,152
−HK$1,038/mo
Today · 4.125%
HK$40,190
baseline
▲ 0.50% · 4.625%
HK$42,308
+HK$2,118/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,380/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,515 · 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).