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$19,322
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$611/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,495
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$585/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$732/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$702/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$855/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$818/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,779
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,861
−HK$1,099/mo
Today · 4.125%
HK$36,960
baseline
▲ 0.50% · 4.625%
HK$39,209
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,920/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,692
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,729
−HK$1,053/mo
Today · 4.125%
HK$40,782
baseline
▲ 0.50% · 4.625%
HK$42,932
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,564/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,208 · 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).