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$19,214
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$607/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$581/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,718
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$729/mo
Today · 4.125%
HK$24,503
baseline
▲ 0.50% · 4.625%
HK$25,994
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,006/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,650
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$698/mo
Today · 4.125%
HK$27,036
baseline
▲ 0.50% · 4.625%
HK$28,461
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,072/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$850/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$814/mo
Today · 4.125%
HK$31,542
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,084/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,585
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$1,093/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,990
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,476
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,507
−HK$1,047/mo
Today · 4.125%
HK$40,554
baseline
▲ 0.50% · 4.625%
HK$42,692
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,108/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,787 · 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).