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$19,169
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$605/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,611
+HK$1,240/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$580/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,663
+HK$1,185/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$727/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,487/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,591
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$696/mo
Today · 4.125%
HK$26,973
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,422/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,946/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,837
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$848/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,255
+HK$1,735/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,856
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,657
−HK$812/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,659/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,578
−HK$1,090/mo
Today · 4.125%
HK$36,668
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$2,232/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,336/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,386
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,044/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,593
+HK$2,133/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,199 · 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).