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$19,084
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$603/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,801
−HK$577/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,558
+HK$1,180/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$723/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$693/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$845/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$809/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$1,086/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,040/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,083 · 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).