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$19,131
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$605/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,283
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$579/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$726/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,540
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$695/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,783
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,616
−HK$847/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,796
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,595
−HK$811/mo
Today · 4.125%
HK$31,406
baseline
▲ 0.50% · 4.625%
HK$33,061
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,812/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,436
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,507
−HK$1,088/mo
Today · 4.125%
HK$36,595
baseline
▲ 0.50% · 4.625%
HK$38,822
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,190/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,309
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,337
−HK$1,042/mo
Today · 4.125%
HK$40,379
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,758/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,695 · 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).