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$19,103
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$604/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$578/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$725/mo
Today · 4.125%
HK$24,361
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,722/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$694/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$845/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$810/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,385
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$1,087/mo
Today · 4.125%
HK$36,541
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,082/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,253
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,279
−HK$1,041/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,324 · 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).