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$19,209
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,806
−HK$607/mo
Today · 4.125%
HK$20,413
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,826/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,369
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,942
−HK$582/mo
Today · 4.125%
HK$22,524
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,048/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$729/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$698/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$850/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$814/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,575
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$1,093/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,979
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,465
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,496
−HK$1,047/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,716 · 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).