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$19,127
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,722
−HK$605/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,279
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,850
−HK$579/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$725/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,877
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,535
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$695/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,333
+HK$1,418/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$847/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,791
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,590
−HK$810/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,500
−HK$1,089/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,302
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,042/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,650 · 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).