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$19,211
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$607/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,945
−HK$581/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$729/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,334
−HK$698/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$850/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$814/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,579
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$1,093/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,984
+HK$2,236/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,501
−HK$1,047/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,745 · 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).