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$19,189
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$606/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,633
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,347
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$581/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$727/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$697/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$849/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$813/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,540
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$1,092/mo
Today · 4.125%
HK$36,706
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$2,233/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,412/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,425
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,456
−HK$1,045/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,636
+HK$2,135/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,455 · 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).