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$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,748
−HK$605/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$580/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,983
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$726/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,910
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,568
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$695/mo
Today · 4.125%
HK$26,949
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,898/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$848/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$812/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,474
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$1,090/mo
Today · 4.125%
HK$36,636
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,272/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,352
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,043/mo
Today · 4.125%
HK$40,424
baseline
▲ 0.50% · 4.625%
HK$42,555
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,848/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,975 · 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).