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$19,168
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$606/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$580/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,661
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$727/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$696/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,835
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$848/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$812/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,576
−HK$1,090/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,897
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,384
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,045/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,590
+HK$2,132/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,185 · 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).