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$19,309
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$611/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,768
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,481
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,057
−HK$584/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,194/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$733/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$702/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$855/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$818/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,756
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,837
−HK$1,098/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,666
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,703
−HK$1,052/mo
Today · 4.125%
HK$40,755
baseline
▲ 0.50% · 4.625%
HK$42,903
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,510/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,036 · 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).