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$19,079
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$603/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$577/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,180/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,606
−HK$724/mo
Today · 4.125%
HK$24,330
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,660/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$693/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$844/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$809/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$1,085/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,716
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,040/mo
Today · 4.125%
HK$40,269
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,538/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,006 · 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).