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$19,111
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$604/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$578/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$725/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,513
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$694/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,308
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$846/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,765
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,563
−HK$810/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$1,087/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,781
+HK$2,225/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,269
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,041/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,428 · 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).