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$19,201
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$607/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,647
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$581/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,041
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$728/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$697/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$849/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,305
+HK$1,738/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$814/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,562
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$1,092/mo
Today · 4.125%
HK$36,729
baseline
▲ 0.50% · 4.625%
HK$38,964
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,458/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,450
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,481
−HK$1,046/mo
Today · 4.125%
HK$40,527
baseline
▲ 0.50% · 4.625%
HK$42,663
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,054/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,617 · 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).