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$19,159
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$605/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$579/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,706
−HK$726/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,919
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,577
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$696/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$847/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$812/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,486
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$1,090/mo
Today · 4.125%
HK$36,648
baseline
▲ 0.50% · 4.625%
HK$38,878
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,296/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,365
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,394
−HK$1,044/mo
Today · 4.125%
HK$40,438
baseline
▲ 0.50% · 4.625%
HK$42,569
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,876/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,061 · 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).