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$19,202
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$607/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$581/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$728/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$698/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$850/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$814/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,564
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$1,092/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,966
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,452
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,483
−HK$1,046/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,631 · 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).