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$19,124
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$605/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,276
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$579/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,607
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$725/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$695/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,419/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,774
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$846/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$30,184
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$810/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,050
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,424
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,495
−HK$1,087/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,808
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,296
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,042/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,493
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,608 · 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).