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$19,117
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$604/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,551
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,267
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,837
−HK$579/mo
Today · 4.125%
HK$22,416
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,832/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,940
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$725/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,862
+HK$1,484/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,756/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$694/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$845/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,731/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$810/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,410
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$1,088/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,793
+HK$2,225/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,042/mo
Today · 4.125%
HK$40,349
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,127/mo
Deposit HK$838K · loan HK$7.55M · min. income ≈ HK$80,698/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,506 · 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).