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$19,172
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$606/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$580/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,722
−HK$727/mo
Today · 4.125%
HK$24,449
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,898/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$697/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$848/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$813/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,510
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$1,090/mo
Today · 4.125%
HK$36,674
baseline
▲ 0.50% · 4.625%
HK$38,906
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,348/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,392
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,422
−HK$1,044/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,599
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,239 · 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).