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$19,357
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$612/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$586/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,228
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$734/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$703/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$856/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,148
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$820/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$1,101/mo
Today · 4.125%
HK$37,027
baseline
▲ 0.50% · 4.625%
HK$39,280
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,054/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,762
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,055/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,668 · 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).