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$19,103
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$603/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$579/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$725/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,844
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$694/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$845/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$810/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,456
−HK$1,086/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,041/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,333 · 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).