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$19,179
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$606/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,621
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$581/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,185/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$727/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,489/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$696/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$849/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,736/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$813/mo
Today · 4.125%
HK$31,484
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,968/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,595
−HK$1,091/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,405
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,045/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,321 · 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).