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$19,220
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$608/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$582/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$729/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$698/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$851/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$815/mo
Today · 4.125%
HK$31,552
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,104/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$1,094/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$39,002
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,047/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,862 · 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).