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$19,218
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$607/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$582/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$729/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,016/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,656
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,344
−HK$698/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$851/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,333
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,932
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,735
−HK$814/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,212
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,593
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$1,093/mo
Today · 4.125%
HK$36,762
baseline
▲ 0.50% · 4.625%
HK$38,999
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,524/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,484
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,047/mo
Today · 4.125%
HK$40,563
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,126/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,843 · 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).