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$19,163
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$606/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$580/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,995
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$726/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,582
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$696/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$847/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,245
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$812/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,117
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$1,090/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,887
+HK$2,231/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,403
−HK$1,044/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,579
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,116 · 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).