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$19,281
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$610/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$583/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$732/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$700/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$853/mo
Today · 4.125%
HK$28,687
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,374/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,031
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$817/mo
Today · 4.125%
HK$31,653
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,306/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,786
−HK$1,097/mo
Today · 4.125%
HK$36,883
baseline
▲ 0.50% · 4.625%
HK$39,127
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,766/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,611
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,646
−HK$1,051/mo
Today · 4.125%
HK$40,697
baseline
▲ 0.50% · 4.625%
HK$42,842
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,394/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,675 · 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).