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$19,132
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$604/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$579/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,182/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$726/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,882
+HK$1,484/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$694/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$846/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$810/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,437
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$1,089/mo
Today · 4.125%
HK$36,597
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$2,226/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,194/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,311
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,043/mo
Today · 4.125%
HK$40,381
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,128/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,762/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,705 · 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).