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$19,195
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$607/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,355
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$581/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,695
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$697/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$850/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,737/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,897
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$814/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,661/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,046/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,543 · 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).