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$19,081
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$603/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,512
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,228
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$577/mo
Today · 4.125%
HK$22,374
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,180/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,748/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$723/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,814
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$693/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,714
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$844/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$30,116
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,719
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$808/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,346
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$1,086/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,721
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,234
−HK$1,040/mo
Today · 4.125%
HK$40,274
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,548/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,040 · 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).