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$19,174
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$606/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$580/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$727/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,939
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,597
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,283
−HK$696/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$848/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$812/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$1,091/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,395
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,044/mo
Today · 4.125%
HK$40,469
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,938/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,257 · 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).