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$19,089
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$604/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$577/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,563
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$724/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$693/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$845/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$809/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$1,086/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$2,222/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,250
−HK$1,040/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,124/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,139 · 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).