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$19,204
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$607/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,242/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$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,364
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,937
−HK$581/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$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$729/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$698/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$849/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,739/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$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$813/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$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,567
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$1,092/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$2,236/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$252,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,455
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,487
−HK$1,046/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$42,669
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,653 · 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).