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$19,133
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$605/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,960
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$725/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,884
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,542
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$695/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,342
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$847/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$810/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,440
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$1,088/mo
Today · 4.125%
HK$36,599
baseline
▲ 0.50% · 4.625%
HK$38,826
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,198/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,314
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,043/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,512
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,723 · 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).