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$19,098
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$603/mo
Today · 4.125%
HK$20,295
baseline
▲ 0.50% · 4.625%
HK$21,530
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,590/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$578/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,917
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$724/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,495
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$694/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$845/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$809/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$1,086/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,041/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,257 · 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).