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$19,137
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$605/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$580/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$726/mo
Today · 4.125%
HK$24,404
baseline
▲ 0.50% · 4.625%
HK$25,889
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,808/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,547
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,232
−HK$695/mo
Today · 4.125%
HK$26,927
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,854/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$846/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,604
−HK$811/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,446
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$1,088/mo
Today · 4.125%
HK$36,606
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,212/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,321
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,349
−HK$1,042/mo
Today · 4.125%
HK$40,391
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,782/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,771 · 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).