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$19,140
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$605/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$579/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$726/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$696/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,795
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$847/mo
Today · 4.125%
HK$28,476
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,952/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,810
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$811/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$1,089/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,042/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,130/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,809 · 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).