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$19,099
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$604/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,248
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$578/mo
Today · 4.125%
HK$22,396
baseline
▲ 0.50% · 4.625%
HK$23,576
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,792/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$724/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,838
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$694/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,739
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,571
−HK$845/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,747
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$809/mo
Today · 4.125%
HK$31,354
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,708/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$1,086/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,040/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,278 · 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).