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$19,155
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$606/mo
Today · 4.125%
HK$20,356
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,712/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$580/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$727/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$696/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,651
−HK$847/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,734/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,996/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$812/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$1,089/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$2,230/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,044/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,006 · 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).