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$19,195
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$607/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$581/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$698/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$849/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$813/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,045/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,539 · 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).