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$19,195
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$606/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,639
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$581/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,033
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$728/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$697/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$850/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,737/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,895
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$813/mo
Today · 4.125%
HK$31,510
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,020/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,092/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,951
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,045/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,649
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,532 · 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).