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$19,090
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$604/mo
Today · 4.125%
HK$20,288
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,576/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,238
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$578/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$724/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$693/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,558
−HK$845/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$30,131
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,733
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$809/mo
Today · 4.125%
HK$31,339
baseline
▲ 0.50% · 4.625%
HK$32,991
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,678/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,432
−HK$1,086/mo
Today · 4.125%
HK$36,518
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$2,222/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,036/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,228
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,041/mo
Today · 4.125%
HK$40,294
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,588/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,162 · 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).