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$19,218
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$608/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,665
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,379
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$582/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,722
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$728/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$698/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,905
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$850/mo
Today · 4.125%
HK$28,592
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,184/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$814/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,211
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$1,093/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,047/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,836 · 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).