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$19,186
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$606/mo
Today · 4.125%
HK$20,389
baseline
▲ 0.50% · 4.625%
HK$21,630
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,778/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$581/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$727/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$697/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$849/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$813/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,535
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$1,091/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,934
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,045/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,630
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,423 · 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).