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$19,125
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$604/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,237/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$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,276
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$579/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$725/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$695/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$847/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$811/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,495
−HK$1,088/mo
Today · 4.125%
HK$36,583
baseline
▲ 0.50% · 4.625%
HK$38,809
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,166/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,297
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,042/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,494
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,613 · 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).