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$19,191
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,788
−HK$607/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,636
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,350
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$581/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,690
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$728/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$697/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$849/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,692
−HK$813/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,166
+HK$1,661/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,544
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$1,092/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$2,233/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,046/mo
Today · 4.125%
HK$40,507
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,135/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,014/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,489 · 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).