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$19,139
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$604/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$580/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,625
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,967
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$726/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$695/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,795
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$847/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$812/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,522
−HK$1,089/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,326
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,354
−HK$1,043/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,526
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,804 · 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).