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$19,223
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,821
−HK$607/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$582/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,785
−HK$729/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$698/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$850/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$814/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,677
−HK$1,093/mo
Today · 4.125%
HK$36,770
baseline
▲ 0.50% · 4.625%
HK$39,008
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,540/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,493
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,525
−HK$1,048/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$42,711
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,901 · 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).