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$19,096
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$603/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$578/mo
Today · 4.125%
HK$22,392
baseline
▲ 0.50% · 4.625%
HK$23,572
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,784/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$724/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$694/mo
Today · 4.125%
HK$26,870
baseline
▲ 0.50% · 4.625%
HK$28,286
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,740/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$845/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$809/mo
Today · 4.125%
HK$31,348
baseline
▲ 0.50% · 4.625%
HK$33,001
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,696/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$1,086/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$2,223/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,239
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,040/mo
Today · 4.125%
HK$40,305
baseline
▲ 0.50% · 4.625%
HK$42,429
+HK$2,124/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,610/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,233 · 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).