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$19,734
−HK$605/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$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$579/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,625
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,798 · 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$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$695/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$847/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,732/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$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$811/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,075
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,521
−HK$1,089/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,838
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,353
−HK$1,043/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,525
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,798 · 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).