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$19,120
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$604/mo
Today · 4.125%
HK$20,319
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,638/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$579/mo
Today · 4.125%
HK$22,420
baseline
▲ 0.50% · 4.625%
HK$23,602
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,840/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$725/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$694/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$846/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$810/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,043
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,416
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$1,087/mo
Today · 4.125%
HK$36,574
baseline
▲ 0.50% · 4.625%
HK$38,800
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,148/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,288
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,315
−HK$1,041/mo
Today · 4.125%
HK$40,356
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,712/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,553 · 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).