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$19,714
−HK$605/mo
Today · 4.125%
HK$20,319
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,236/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$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$579/mo
Today · 4.125%
HK$22,420
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,181/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$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$725/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,524
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,209
−HK$694/mo
Today · 4.125%
HK$26,903
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,419/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,806/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,767
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$846/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$810/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,486
−HK$1,087/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,799
+HK$2,226/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,042/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,482
+HK$2,127/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,546 · 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).