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$19,088
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$603/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,805
−HK$577/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$724/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,823
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$694/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$845/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$30,127
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$809/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$1,086/mo
Today · 4.125%
HK$36,513
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,026/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,248
−HK$1,040/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,124/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,128 · 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).