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$19,161
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$605/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$580/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$727/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$696/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$847/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,843
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$812/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,044/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,088 · 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).