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$19,167
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$605/mo
Today · 4.125%
HK$20,369
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,738/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$581/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$697/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$848/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,853
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$812/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,501
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$1,091/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,896
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,044/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,132/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,174 · 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).