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$19,182
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$606/mo
Today · 4.125%
HK$20,385
baseline
▲ 0.50% · 4.625%
HK$21,626
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,770/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,340
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$580/mo
Today · 4.125%
HK$22,493
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,986/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$727/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,489/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,608
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$697/mo
Today · 4.125%
HK$26,992
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,984/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$849/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$813/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,528
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$1,091/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,045/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,373 · 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).