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$19,297
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$610/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,467
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$584/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$732/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$701/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$853/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$818/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$1,098/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$39,158
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,677
−HK$1,052/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,875 · 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).