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$19,212
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$607/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$582/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,715
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,054
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$728/mo
Today · 4.125%
HK$24,500
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,000/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$698/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$850/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$814/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$1,093/mo
Today · 4.125%
HK$36,750
baseline
▲ 0.50% · 4.625%
HK$38,986
+HK$2,236/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,500/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,046/mo
Today · 4.125%
HK$40,550
baseline
▲ 0.50% · 4.625%
HK$42,688
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,100/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,762 · 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).