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$19,213
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$607/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$582/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$729/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,993
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,650
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$697/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,461
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$851/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$814/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,660
−HK$1,093/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,506/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,474
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,506
−HK$1,047/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$42,691
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,780 · 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).