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$19,211
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$607/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,945
−HK$582/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,771
−HK$728/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$697/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$850/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$814/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$1,093/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,046/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$42,686
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,751 · 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).