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$19,316
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$611/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,777
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,489
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$584/mo
Today · 4.125%
HK$22,650
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,300/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$732/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$701/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$855/mo
Today · 4.125%
HK$28,739
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,478/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,892
−HK$819/mo
Today · 4.125%
HK$31,711
baseline
▲ 0.50% · 4.625%
HK$33,382
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,422/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$1,099/mo
Today · 4.125%
HK$36,950
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,900/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,681
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,053/mo
Today · 4.125%
HK$40,771
baseline
▲ 0.50% · 4.625%
HK$42,920
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,542/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,136 · 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).