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$19,128
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$605/mo
Today · 4.125%
HK$20,328
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,656/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,280
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,851
−HK$579/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,612
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$725/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$695/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,613
−HK$846/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,792
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$811/mo
Today · 4.125%
HK$31,402
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,804/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,431
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,502
−HK$1,088/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,817
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,180/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,304
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,331
−HK$1,043/mo
Today · 4.125%
HK$40,374
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,748/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,661 · 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).