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$19,092
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$604/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$578/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$724/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,829
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,488
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$693/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$845/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,534
−HK$809/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$1,087/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,744
+HK$2,222/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,258
−HK$1,040/mo
Today · 4.125%
HK$40,298
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,124/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,596/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,189 · 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).