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$19,116
−HK$1,199/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$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,267
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,837
−HK$578/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,182/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$725/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,483/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$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$695/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,417/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$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$846/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$810/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$1,088/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,792
+HK$2,225/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,280
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,306
−HK$1,042/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,127/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,500 · 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).