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$19,141
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$605/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$579/mo
Today · 4.125%
HK$22,444
baseline
▲ 0.50% · 4.625%
HK$23,627
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,888/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$726/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$695/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$846/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,811
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$811/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,078
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$1,089/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,842
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,329
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,357
−HK$1,043/mo
Today · 4.125%
HK$40,400
baseline
▲ 0.50% · 4.625%
HK$42,529
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,800/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,824 · 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).