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$19,095
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$604/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,243
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$578/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,914
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$724/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$693/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,286
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,733
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$845/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,538
−HK$809/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,000
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$1,086/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$2,223/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,238
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,040/mo
Today · 4.125%
HK$40,304
baseline
▲ 0.50% · 4.625%
HK$42,428
+HK$2,124/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,608/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,226 · 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).