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$19,168
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$606/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,325
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$580/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,718
−HK$727/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,590
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$696/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$848/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,254
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$813/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$1,090/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,898
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,414
−HK$1,044/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,189 · 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).