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$19,165
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$606/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$580/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$727/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$696/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,389
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$848/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$812/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,497
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,570
−HK$1,090/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$2,231/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,377
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,044/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,583
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,142 · 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).