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$19,114
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$604/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,549
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$578/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,651
−HK$725/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$694/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$845/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,731/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,770
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$810/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$1,087/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$2,225/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,041/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,127/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,478 · 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).