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$19,210
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$607/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$581/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$728/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$698/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$850/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,919
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,721
−HK$814/mo
Today · 4.125%
HK$31,535
baseline
▲ 0.50% · 4.625%
HK$33,197
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,070/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,577
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$1,093/mo
Today · 4.125%
HK$36,746
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$2,236/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,492/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,467
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,499
−HK$1,046/mo
Today · 4.125%
HK$40,545
baseline
▲ 0.50% · 4.625%
HK$42,682
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,090/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,730 · 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).