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$19,173
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$606/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$580/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$728/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,596
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$697/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$849/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$812/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,134
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,585
−HK$1,091/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$2,231/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,394
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,045/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,601
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,250 · 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).