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$19,206
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$607/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,367
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$581/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$728/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,983
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$697/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$850/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$814/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$1,092/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,975
+HK$2,236/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,460
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,492
−HK$1,046/mo
Today · 4.125%
HK$40,538
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,137/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,076/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,687 · 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).