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$19,202
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$607/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$582/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$728/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$698/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$849/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$813/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,564
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$1,093/mo
Today · 4.125%
HK$36,732
baseline
▲ 0.50% · 4.625%
HK$38,967
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,464/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,452
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,046/mo
Today · 4.125%
HK$40,530
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,060/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,635 · 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).