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$19,126
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$605/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$579/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$725/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$695/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$846/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$811/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,428
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$1,088/mo
Today · 4.125%
HK$36,586
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,172/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,300
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,042/mo
Today · 4.125%
HK$40,370
baseline
▲ 0.50% · 4.625%
HK$42,498
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,740/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,636 · 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).