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$19,112
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,707
−HK$604/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,547
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,833
−HK$578/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$725/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,515
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$694/mo
Today · 4.125%
HK$26,893
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,786/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$845/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,731/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$810/mo
Today · 4.125%
HK$31,376
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,752/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$1,087/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,784
+HK$2,224/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,272
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,041/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,466
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,452 · 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).