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$19,144
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,740
−HK$605/mo
Today · 4.125%
HK$20,345
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,690/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,298
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$579/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$726/mo
Today · 4.125%
HK$24,414
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,828/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,243
−HK$695/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,802
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$847/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$30,216
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,817
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$812/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,089/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,043/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,868 · 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).