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$19,190
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$607/mo
Today · 4.125%
HK$20,394
baseline
▲ 0.50% · 4.625%
HK$21,634
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,788/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,349
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$581/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$728/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$697/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,702
−HK$849/mo
Today · 4.125%
HK$28,551
baseline
▲ 0.50% · 4.625%
HK$30,288
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,102/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$813/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,661/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$1,091/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$2,234/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,459
−HK$1,045/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,135/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,474 · 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).