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$19,178
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$606/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$581/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,185/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$727/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,489/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$696/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,408
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$849/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,869
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,670
−HK$813/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,142
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$1,091/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,917
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,403
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,433
−HK$1,045/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,612
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,311 · 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).