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$19,140
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$605/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$579/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$726/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$695/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,352
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,796
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$847/mo
Today · 4.125%
HK$28,476
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,952/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,810
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$811/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,077
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,452
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$1,088/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,043/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,130/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,814 · 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).