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$19,091
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$604/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$577/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,180/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$724/mo
Today · 4.125%
HK$24,346
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,692/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,487
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$694/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,280
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$845/mo
Today · 4.125%
HK$28,404
baseline
▲ 0.50% · 4.625%
HK$30,132
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,808/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$809/mo
Today · 4.125%
HK$31,341
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,682/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,364
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,433
−HK$1,086/mo
Today · 4.125%
HK$36,519
baseline
▲ 0.50% · 4.625%
HK$38,741
+HK$2,222/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,038/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,040/mo
Today · 4.125%
HK$40,295
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,125/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,590/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,174 · 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).