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$19,156
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$606/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$580/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,988
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$726/mo
Today · 4.125%
HK$24,429
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,858/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$695/mo
Today · 4.125%
HK$26,955
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,910/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,819
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$848/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$812/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,106
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,482
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$1,090/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,360
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,044/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,031 · 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).