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$19,089
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,683
−HK$603/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$578/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,907
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$723/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$694/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$845/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,731
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$809/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,429
−HK$1,086/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$2,222/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,226
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,251
−HK$1,040/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,124/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,145 · 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).