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$19,130
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$605/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,237/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,853
−HK$579/mo
Today · 4.125%
HK$22,432
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,864/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$726/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$694/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$847/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,795
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,594
−HK$811/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$1,088/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,308
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,335
−HK$1,043/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,506
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,686 · 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).