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$19,210
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$607/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$582/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,187/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$729/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,490/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$698/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$850/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,920
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$814/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,578
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,654
−HK$1,093/mo
Today · 4.125%
HK$36,747
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$2,236/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,494/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,468
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,046/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$42,684
+HK$2,138/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,738 · 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).