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$19,349
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$611/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,103
−HK$585/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$734/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$703/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$856/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$820/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$1,101/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$2,252/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,054/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,561 · 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).