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$19,334
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$611/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$586/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,922
−HK$733/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,810
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$702/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,067
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$856/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$819/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,883
−HK$1,100/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,715
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,754
−HK$1,053/mo
Today · 4.125%
HK$40,807
baseline
▲ 0.50% · 4.625%
HK$42,958
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,614/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,363 · 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).