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$1,197/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$603/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,233/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$577/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,895
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$724/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,154
−HK$693/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,542
−HK$844/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,716
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$809/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$1,085/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,717
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,040/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,392
+HK$2,122/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,014 · 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).