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$19,156
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$605/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,882
−HK$580/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,702
−HK$726/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,915
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,573
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,259
−HK$695/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,818
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$848/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,234
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,835
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$812/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$1,090/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,044/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,022 · 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).