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$19,100
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$603/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$578/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,578
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,920
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$725/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$693/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,417/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$845/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$30,147
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$810/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$1,087/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$2,223/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,274
−HK$1,041/mo
Today · 4.125%
HK$40,315
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,125/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,630/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,293 · 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).