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$19,130
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$604/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,566
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$579/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,183/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$725/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$695/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$846/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$811/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$1,088/mo
Today · 4.125%
HK$36,593
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,186/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,043/mo
Today · 4.125%
HK$40,377
baseline
▲ 0.50% · 4.625%
HK$42,505
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,754/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,680 · 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).