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$19,151
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$605/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$580/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,981
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$727/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$696/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$847/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$811/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,472
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$1,090/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,350
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,044/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,961 · 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).