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$19,265
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$609/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,432
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$583/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,191/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$731/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$700/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,537
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$853/mo
Today · 4.125%
HK$28,663
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,326/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,810
−HK$816/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$1,096/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,049/mo
Today · 4.125%
HK$40,662
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,144/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,324/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,461 · 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).