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$19,112
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$604/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,261
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$578/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,591
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$725/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$694/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,588
−HK$846/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,766
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$810/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,028
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$1,087/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,041/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,439 · 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).