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$19,145
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$605/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$580/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,974
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$726/mo
Today · 4.125%
HK$24,415
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,830/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,559
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$696/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,804
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,637
−HK$847/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,819
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$812/mo
Today · 4.125%
HK$31,430
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,860/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$1,089/mo
Today · 4.125%
HK$36,623
baseline
▲ 0.50% · 4.625%
HK$38,851
+HK$2,228/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,246/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,338
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,044/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,540
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,885 · 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).