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$19,153
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$605/mo
Today · 4.125%
HK$20,354
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,708/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$580/mo
Today · 4.125%
HK$22,459
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,918/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$727/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$695/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,814
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$848/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$812/mo
Today · 4.125%
HK$31,442
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,884/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,548
−HK$1,089/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,044/mo
Today · 4.125%
HK$40,426
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,852/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,985 · 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).