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$19,221
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$607/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$581/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,189/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$729/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,660
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$698/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$850/mo
Today · 4.125%
HK$28,597
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,194/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,937
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$815/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$1,093/mo
Today · 4.125%
HK$36,767
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,534/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,047/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,881 · 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).