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$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$606/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$580/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,982
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$726/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$696/mo
Today · 4.125%
HK$26,949
baseline
▲ 0.50% · 4.625%
HK$28,369
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,898/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$848/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$812/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$1,090/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,044/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,968 · 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).