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$19,101
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$604/mo
Today · 4.125%
HK$20,299
baseline
▲ 0.50% · 4.625%
HK$21,534
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,598/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$578/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,921
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,634
−HK$725/mo
Today · 4.125%
HK$24,359
baseline
▲ 0.50% · 4.625%
HK$25,841
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,718/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$694/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,294
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$846/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$809/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,010
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,382
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$1,086/mo
Today · 4.125%
HK$36,538
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,076/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,250
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,276
−HK$1,040/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,304 · 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).