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$19,165
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$605/mo
Today · 4.125%
HK$20,366
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,732/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$580/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,997
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$727/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$696/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,830
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$848/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,848
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,649
−HK$812/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,496
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$1,090/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$2,231/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,377
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,044/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,137 · 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).