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$19,110
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,704
−HK$604/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,236/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$579/mo
Today · 4.125%
HK$22,408
baseline
▲ 0.50% · 4.625%
HK$23,589
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,816/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,645
−HK$725/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$694/mo
Today · 4.125%
HK$26,889
baseline
▲ 0.50% · 4.625%
HK$28,307
+HK$1,418/mo
Deposit HK$3.35M · loan HK$5.03M · min. income ≈ HK$53,778/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$845/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$30,161
+HK$1,730/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,763
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,561
−HK$810/mo
Today · 4.125%
HK$31,371
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,654/mo
Deposit HK$2.51M · loan HK$5.87M · min. income ≈ HK$62,742/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$1,087/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,779
+HK$2,225/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,267
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,293
−HK$1,041/mo
Today · 4.125%
HK$40,334
baseline
▲ 0.50% · 4.625%
HK$42,460
+HK$2,126/mo
Deposit HK$838K · loan HK$7.54M · min. income ≈ HK$80,668/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,414 · 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).