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$19,110
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$604/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$579/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$724/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,853
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,512
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,196
−HK$694/mo
Today · 4.125%
HK$26,890
baseline
▲ 0.50% · 4.625%
HK$28,308
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,780/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$845/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$810/mo
Today · 4.125%
HK$31,372
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,744/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,468
−HK$1,088/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,268
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,294
−HK$1,041/mo
Today · 4.125%
HK$40,335
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,127/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,670/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,423 · 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).