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$19,123
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$604/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,274
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$578/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,605
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$725/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,529
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$695/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,772
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$846/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$811/mo
Today · 4.125%
HK$31,393
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,654/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,786/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$1,088/mo
Today · 4.125%
HK$36,580
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$2,225/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,160/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,042/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,490
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,589 · 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).