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$19,140
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$604/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$580/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$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$725/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$695/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,352
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,796
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$847/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,732/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$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,811
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$811/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,077
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,452
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$1,089/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,043/mo
Today · 4.125%
HK$40,399
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,798/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,816 · 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).