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$19,146
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$605/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$580/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$726/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$696/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$847/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$30,219
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,620
−HK$811/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,088
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$1,089/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,043/mo
Today · 4.125%
HK$40,411
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,822/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,895 · 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).