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$1,199/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$604/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,650/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,848
−HK$579/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,609
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$725/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$694/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$846/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$811/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,427
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$1,088/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,812
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,299
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,042/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,496
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,628 · 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).