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$19,180
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$606/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$581/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,185/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,016
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,732
−HK$728/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,948
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,292
−HK$697/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,852
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,688
−HK$848/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,273
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,873
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$813/mo
Today · 4.125%
HK$31,487
baseline
▲ 0.50% · 4.625%
HK$33,147
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,974/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$1,091/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,408
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,045/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,345 · 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).