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$19,108
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,702
−HK$604/mo
Today · 4.125%
HK$20,306
baseline
▲ 0.50% · 4.625%
HK$21,542
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,612/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,257
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$578/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,587
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,643
−HK$724/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,850
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,509
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$694/mo
Today · 4.125%
HK$26,887
baseline
▲ 0.50% · 4.625%
HK$28,304
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,774/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,751
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$846/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,760
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$809/mo
Today · 4.125%
HK$31,368
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,736/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$1,087/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,263
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,041/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,393 · 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).