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$19,193
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$606/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$581/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,031
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$727/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$697/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$849/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,737/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$813/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,547
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,621
−HK$1,092/mo
Today · 4.125%
HK$36,713
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$2,234/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,426/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,045/mo
Today · 4.125%
HK$40,509
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,018/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,507 · 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).