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$19,162
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$606/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$580/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$726/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$696/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,827
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$848/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,645
−HK$812/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,492
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$1,091/mo
Today · 4.125%
HK$36,655
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,310/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,372
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,401
−HK$1,044/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,104 · 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).