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$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$606/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$581/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$728/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,632
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$697/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$849/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$814/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,636
−HK$1,092/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,046/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,662
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,608 · 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).