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$19,213
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$607/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$582/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$728/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$698/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$850/mo
Today · 4.125%
HK$28,585
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,170/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,924
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$815/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,203
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,659
−HK$1,093/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,988
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,474
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,505
−HK$1,047/mo
Today · 4.125%
HK$40,552
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,104/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,774 · 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).