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$19,257
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$609/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$583/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,771
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$731/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$699/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,960
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$852/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$816/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,280
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,663
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$1,096/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$2,241/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,562
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,596
−HK$1,050/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,142/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,356 · 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).