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$19,206
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,803
−HK$607/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,652
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,366
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,939
−HK$582/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$728/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,327
−HK$698/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,449
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$850/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,313
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,148/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,913
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$814/mo
Today · 4.125%
HK$31,529
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,058/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,570
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$1,092/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$2,236/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,046/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,679 · 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).