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$19,181
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$606/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$581/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,185/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$728/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,488/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$697/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,423/mo
Deposit HK$3.36M · loan HK$5.05M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,854
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$848/mo
Today · 4.125%
HK$28,537
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,074/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,874
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$812/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$1,091/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,924
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,045/mo
Today · 4.125%
HK$40,485
baseline
▲ 0.50% · 4.625%
HK$42,619
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,970/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,355 · 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).