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$19,177
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$606/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,619
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$581/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$727/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,601
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$697/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,848
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,683
−HK$848/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$812/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,141
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,518
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$1,091/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,045/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,299 · 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).