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$19,190
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$606/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,634
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$581/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$728/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,618
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$697/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$849/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,288
+HK$1,738/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$814/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,163
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$1,092/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$2,233/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,045/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,135/mo
Deposit HK$842K · loan HK$7.57M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,469 · 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).