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$19,215
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$608/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,242/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$582/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$729/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$698/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,901
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,737
−HK$850/mo
Today · 4.125%
HK$28,587
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,174/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,729
−HK$814/mo
Today · 4.125%
HK$31,543
baseline
▲ 0.50% · 4.625%
HK$33,206
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,086/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$1,093/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,992
+HK$2,237/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,477
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,509
−HK$1,047/mo
Today · 4.125%
HK$40,556
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,138/mo
Deposit HK$843K · loan HK$7.58M · min. income ≈ HK$81,112/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,797 · 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).