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$19,113
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,708
−HK$604/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,263
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$578/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,936
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$724/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$694/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$846/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,567
−HK$810/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,031
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,404
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$1,088/mo
Today · 4.125%
HK$36,562
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,124/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,041/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,127/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,464 · 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).