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$19,148
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$605/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$579/mo
Today · 4.125%
HK$22,453
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,906/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$726/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$696/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$847/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$811/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,467
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,539
−HK$1,089/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,373
−HK$1,043/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,924 · 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).