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$19,219
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$608/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,381
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$582/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,724
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$729/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$698/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$850/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,333
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$814/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,213
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,594
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$1,093/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,485
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,047/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$42,702
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,849 · 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).