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$19,185
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$606/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$580/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$728/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$697/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$849/mo
Today · 4.125%
HK$28,544
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,088/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,881
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$813/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,533
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$1,091/mo
Today · 4.125%
HK$36,699
baseline
▲ 0.50% · 4.625%
HK$38,932
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,398/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,418
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,448
−HK$1,046/mo
Today · 4.125%
HK$40,494
baseline
▲ 0.50% · 4.625%
HK$42,628
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,988/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,409 · 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).