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$19,175
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$580/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,186/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$727/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$696/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,845
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$848/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$812/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$1,091/mo
Today · 4.125%
HK$36,679
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,358/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,045/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,274 · 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).