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$19,197
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$607/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,357
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$581/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$728/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,628
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$698/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,876
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,712
−HK$849/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,299
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,899
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$814/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,176
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,555
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,630
−HK$1,092/mo
Today · 4.125%
HK$36,722
baseline
▲ 0.50% · 4.625%
HK$38,956
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,444/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,442
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,473
−HK$1,046/mo
Today · 4.125%
HK$40,519
baseline
▲ 0.50% · 4.625%
HK$42,655
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,038/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,566 · 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).