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$19,159
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$606/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,315
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$580/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,706
−HK$727/mo
Today · 4.125%
HK$24,433
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,866/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,577
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$696/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,421/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$848/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,240
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,641
−HK$812/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,559
−HK$1,090/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,879
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,366
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,395
−HK$1,044/mo
Today · 4.125%
HK$40,439
baseline
▲ 0.50% · 4.625%
HK$42,571
+HK$2,132/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,878/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,068 · 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).