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$19,097
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$603/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,245
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,815
−HK$578/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,916
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$724/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$694/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$845/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,743
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$809/mo
Today · 4.125%
HK$31,350
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,700/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,374
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,444
−HK$1,086/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$2,223/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,040/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,125/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,248 · 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).