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$19,166
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$606/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$580/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,999
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$727/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$696/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$848/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$812/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,499
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$1,091/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$2,230/mo
Deposit HK$841K · loan HK$7.56M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,380
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,045/mo
Today · 4.125%
HK$40,454
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,132/mo
Deposit HK$841K · loan HK$7.56M · min. income ≈ HK$80,908/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,159 · 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).