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$19,121
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,716
−HK$604/mo
Today · 4.125%
HK$20,320
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,640/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,272
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$579/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,603
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,945
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$725/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,483/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,526
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$694/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,602
−HK$846/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,780
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$810/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,417
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$1,088/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$2,225/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,042/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,127/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,561 · 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).