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$19,135
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$605/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,572
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,288
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$580/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$726/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,789
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$847/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,803
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$811/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,443
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$1,088/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,830
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,318
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,043/mo
Today · 4.125%
HK$40,388
baseline
▲ 0.50% · 4.625%
HK$42,517
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,776/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,749 · 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).