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$19,142
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$605/mo
Today · 4.125%
HK$20,342
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,684/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$580/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,970
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,685
−HK$726/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,896
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,554
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$695/mo
Today · 4.125%
HK$26,935
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,870/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,799
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,632
−HK$847/mo
Today · 4.125%
HK$28,479
baseline
▲ 0.50% · 4.625%
HK$30,212
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,958/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,813
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$811/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,455
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,527
−HK$1,089/mo
Today · 4.125%
HK$36,616
baseline
▲ 0.50% · 4.625%
HK$38,844
+HK$2,228/mo
Deposit HK$839K · loan HK$7.56M · min. income ≈ HK$73,232/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,331
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,043/mo
Today · 4.125%
HK$40,402
baseline
▲ 0.50% · 4.625%
HK$42,532
+HK$2,130/mo
Deposit HK$839K · loan HK$7.56M · min. income ≈ HK$80,804/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,839 · 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).