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$19,194
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,791
−HK$606/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,353
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$581/mo
Today · 4.125%
HK$22,506
baseline
▲ 0.50% · 4.625%
HK$23,693
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,012/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$728/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,966
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$698/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,871
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$849/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,294
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$814/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,548
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$1,092/mo
Today · 4.125%
HK$36,715
baseline
▲ 0.50% · 4.625%
HK$38,949
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,430/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,435
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,466
−HK$1,045/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,647
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,519 · 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).