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$19,083
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$603/mo
Today · 4.125%
HK$20,279
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,558/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$577/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,180/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$724/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,481/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$693/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,716
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$844/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,728/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$809/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,651/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$1,086/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,237
−HK$1,040/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,060 · 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).