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$19,134
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$604/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$579/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$726/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,544
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,229
−HK$695/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$847/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,801
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$811/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,067
+HK$1,655/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$1,089/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,316
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,042/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,515
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,739 · 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).