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$19,183
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$606/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$581/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,020
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$727/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$697/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$848/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$813/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,091/mo
Today · 4.125%
HK$36,695
baseline
▲ 0.50% · 4.625%
HK$38,928
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,390/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,444
−HK$1,045/mo
Today · 4.125%
HK$40,489
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,978/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,382 · 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).