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$19,150
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$605/mo
Today · 4.125%
HK$20,351
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,702/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,876
−HK$580/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,981
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$727/mo
Today · 4.125%
HK$24,422
baseline
▲ 0.50% · 4.625%
HK$25,908
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,844/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$696/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$847/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$30,226
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,827
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$812/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,471
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$1,089/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,043/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,551
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,951 · 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).