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$19,240
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$608/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,978
−HK$582/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,088
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$729/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$698/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$852/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$815/mo
Today · 4.125%
HK$31,584
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,168/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,709
−HK$1,094/mo
Today · 4.125%
HK$36,803
baseline
▲ 0.50% · 4.625%
HK$39,042
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,606/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,560
−HK$1,049/mo
Today · 4.125%
HK$40,609
baseline
▲ 0.50% · 4.625%
HK$42,749
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,218/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,126 · 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).