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$19,157
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$606/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$580/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,648
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,989
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$726/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$695/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$848/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,236
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,837
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$812/mo
Today · 4.125%
HK$31,449
baseline
▲ 0.50% · 4.625%
HK$33,107
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,898/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,556
−HK$1,089/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,391
−HK$1,044/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,566
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,041 · 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).