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$19,099
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$603/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$578/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,576
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$725/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,838
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$694/mo
Today · 4.125%
HK$26,874
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,748/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$845/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$30,144
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$809/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,378
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$1,087/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,040/mo
Today · 4.125%
HK$40,311
baseline
▲ 0.50% · 4.625%
HK$42,436
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,622/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,272 · 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).