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$19,220
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$608/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$582/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$729/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$850/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,738
−HK$815/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,673
−HK$1,093/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,489
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,047/mo
Today · 4.125%
HK$40,568
baseline
▲ 0.50% · 4.625%
HK$42,706
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,136/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,872 · 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).