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$19,204
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$581/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$728/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$698/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,886
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$850/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,713
−HK$814/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,568
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$1,093/mo
Today · 4.125%
HK$36,736
baseline
▲ 0.50% · 4.625%
HK$38,971
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,472/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,488
−HK$1,046/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$42,671
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,661 · 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).