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$19,144
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$579/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$726/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$696/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$847/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$811/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,089/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$2,228/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,043/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,865 · 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).