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$19,217
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$608/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$581/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$729/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$698/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,465
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$850/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$815/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,209
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,590
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,666
−HK$1,093/mo
Today · 4.125%
HK$36,759
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$2,237/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,518/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,481
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,513
−HK$1,047/mo
Today · 4.125%
HK$40,560
baseline
▲ 0.50% · 4.625%
HK$42,698
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,120/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,822 · 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).