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$19,158
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$605/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,313
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$580/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$726/mo
Today · 4.125%
HK$24,431
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,862/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$695/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,821
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$848/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$811/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,484
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$1,090/mo
Today · 4.125%
HK$36,647
baseline
▲ 0.50% · 4.625%
HK$38,877
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,294/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,044/mo
Today · 4.125%
HK$40,436
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,872/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,051 · 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).