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$19,207
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$607/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$581/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$729/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,641
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$698/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,890
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$850/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$814/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,573
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,648
−HK$1,093/mo
Today · 4.125%
HK$36,741
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,482/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,462
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,047/mo
Today · 4.125%
HK$40,540
baseline
▲ 0.50% · 4.625%
HK$42,677
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,080/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,697 · 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).