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$19,298
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$610/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,469
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$584/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$732/mo
Today · 4.125%
HK$24,610
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,497/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,220/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$701/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,586
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$853/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$817/mo
Today · 4.125%
HK$31,680
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,360/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$1,098/mo
Today · 4.125%
HK$36,915
baseline
▲ 0.50% · 4.625%
HK$39,161
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,830/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,052/mo
Today · 4.125%
HK$40,732
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,464/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,894 · 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).