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$19,198
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$606/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,644
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$581/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$728/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$697/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$849/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,901
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,703
−HK$814/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$1,092/mo
Today · 4.125%
HK$36,724
baseline
▲ 0.50% · 4.625%
HK$38,959
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,448/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,046/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,582 · 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).