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$19,171
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$606/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$580/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$727/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,936
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$696/mo
Today · 4.125%
HK$26,976
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,952/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$848/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$812/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,508
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,582
−HK$1,090/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,904
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,390
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,044/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,597
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,227 · 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).