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$19,133
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$604/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$726/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,542
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$695/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$846/mo
Today · 4.125%
HK$28,465
baseline
▲ 0.50% · 4.625%
HK$30,197
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,930/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,598
−HK$811/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,439
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,510
−HK$1,088/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,825
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,313
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,042/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,716 · 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).