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$19,261
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$609/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,428
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$583/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$731/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$700/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,966
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$852/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$816/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,240/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$1,095/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,049/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,143/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,410 · 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).