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$19,188
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,785
−HK$607/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,633
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,347
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$580/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$728/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$697/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$849/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,738/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$813/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,661/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$1,091/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$2,234/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,425
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,046/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,635
+HK$2,134/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,452 · 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).