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$19,167
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$605/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$581/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,950/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$727/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$697/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,668
−HK$848/mo
Today · 4.125%
HK$28,516
baseline
▲ 0.50% · 4.625%
HK$30,251
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,032/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$812/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,500
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$1,090/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$2,231/mo
Deposit HK$841K · loan HK$7.56M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,410
−HK$1,044/mo
Today · 4.125%
HK$40,454
baseline
▲ 0.50% · 4.625%
HK$42,587
+HK$2,133/mo
Deposit HK$841K · loan HK$7.56M · min. income ≈ HK$80,908/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,164 · 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).