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$19,312
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$611/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,484
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$585/mo
Today · 4.125%
HK$22,645
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,290/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$732/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$26,126
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$702/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,036
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$855/mo
Today · 4.125%
HK$28,732
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,464/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,077
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$818/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,374
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,842
−HK$1,099/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$39,188
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,671
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,708
−HK$1,052/mo
Today · 4.125%
HK$40,760
baseline
▲ 0.50% · 4.625%
HK$42,909
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,520/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,071 · 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).