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$19,171
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$606/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$581/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$728/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,935
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$696/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$848/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,858
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$812/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,507
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$1,090/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,044/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,219 · 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).