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$19,024
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$601/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,230/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$576/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$722/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,476/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$691/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,180
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,634
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$842/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,722/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$806/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,646/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,244
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$1,082/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$2,214/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,096
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,118
−HK$1,036/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,271
+HK$2,117/mo
Deposit HK$834K · loan HK$7.51M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$250,292 · 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).