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$19,203
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$607/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,364
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,936
−HK$582/mo
Today · 4.125%
HK$22,518
baseline
▲ 0.50% · 4.625%
HK$23,705
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,036/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$728/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$697/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$850/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$814/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,566
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$1,093/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,969
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,486
−HK$1,046/mo
Today · 4.125%
HK$40,532
baseline
▲ 0.50% · 4.625%
HK$42,668
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,064/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,647 · 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).