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$19,137
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$605/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$579/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$726/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$696/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,858/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$847/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,732/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$811/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,519
−HK$1,089/mo
Today · 4.125%
HK$36,608
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,216/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,043/mo
Today · 4.125%
HK$40,393
baseline
▲ 0.50% · 4.625%
HK$42,522
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,786/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,781 · 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).