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$19,187
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$606/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$581/mo
Today · 4.125%
HK$22,499
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,998/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,025
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$727/mo
Today · 4.125%
HK$24,468
baseline
▲ 0.50% · 4.625%
HK$25,957
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,936/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$697/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,422
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$849/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,884
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,685
−HK$813/mo
Today · 4.125%
HK$31,498
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,661/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,996/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,537
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,611
−HK$1,092/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,046/mo
Today · 4.125%
HK$40,498
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,996/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,435 · 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).