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$19,205
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$582/mo
Today · 4.125%
HK$22,520
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,040/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$728/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$698/mo
Today · 4.125%
HK$27,024
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,048/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$850/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$814/mo
Today · 4.125%
HK$31,528
baseline
▲ 0.50% · 4.625%
HK$33,189
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,056/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$1,093/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,489
−HK$1,046/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,670 · 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).