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$19,118
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,712
−HK$605/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,553
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$578/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,599
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$725/mo
Today · 4.125%
HK$24,380
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,760/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$695/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,319
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,597
−HK$846/mo
Today · 4.125%
HK$28,443
baseline
▲ 0.50% · 4.625%
HK$30,174
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,886/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$810/mo
Today · 4.125%
HK$31,384
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,768/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$1,088/mo
Today · 4.125%
HK$36,570
baseline
▲ 0.50% · 4.625%
HK$38,795
+HK$2,225/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$73,140/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,283
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,041/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,127/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,522 · 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).