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$19,086
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$603/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,233
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$578/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,179/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,762/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$724/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$694/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,721
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$845/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$809/mo
Today · 4.125%
HK$31,333
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,666/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$1,086/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,040/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,108 · 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).