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$19,138
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$605/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,238/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$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,291
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$579/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$726/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$695/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,420/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$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,793
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$846/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,807
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$810/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,448
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$1,089/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,836
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,323
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,351
−HK$1,043/mo
Today · 4.125%
HK$40,394
baseline
▲ 0.50% · 4.625%
HK$42,523
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,788/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,787 · 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).