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$19,087
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$603/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,234/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,234
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$578/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,180/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$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$724/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,164
−HK$693/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,416/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$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$844/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,728/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$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,728
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,525
−HK$809/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$32,985
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,356
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$1,086/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$2,222/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,221
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,040/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,124/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,116 · 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).