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$19,136
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$605/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,672/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$579/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,963
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$726/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$695/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,346
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,624
−HK$846/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$30,203
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,804
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$811/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,445
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$1,089/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,832
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,043/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,519
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,761 · 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).