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$19,351
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$612/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$585/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$702/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,436/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$857/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,751/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$820/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$1,101/mo
Today · 4.125%
HK$37,015
baseline
▲ 0.50% · 4.625%
HK$39,268
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,030/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,749
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,055/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,585 · 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).