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$19,141
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$605/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$580/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$726/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$696/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$847/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$812/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$1,088/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,842
+HK$2,228/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,330
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,042/mo
Today · 4.125%
HK$40,400
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,130/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,800/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,828 · 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).