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$19,137
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$605/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$579/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$726/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$695/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$847/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$811/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$1,089/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,349
−HK$1,043/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,776 · 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).