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$19,158
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$606/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,313
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$580/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$727/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$696/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,379
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$848/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$812/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,658/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,485
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$1,089/mo
Today · 4.125%
HK$36,647
baseline
▲ 0.50% · 4.625%
HK$38,877
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,294/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,364
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,393
−HK$1,044/mo
Today · 4.125%
HK$40,437
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,874/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,055 · 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).