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$19,222
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$607/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$582/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,066
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$728/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$698/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$851/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$815/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,599
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,675
−HK$1,094/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,491
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,523
−HK$1,048/mo
Today · 4.125%
HK$40,571
baseline
▲ 0.50% · 4.625%
HK$42,709
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,142/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,889 · 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).