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$19,160
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$606/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$579/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$726/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$696/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$848/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$811/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,043/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,083 · 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).