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$19,248
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$608/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,413
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,987
−HK$583/mo
Today · 4.125%
HK$22,570
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,140/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,816
−HK$730/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,696
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$699/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$852/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,379
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$816/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,646
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$1,095/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,544
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,049/mo
Today · 4.125%
HK$40,626
baseline
▲ 0.50% · 4.625%
HK$42,768
+HK$2,142/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,252/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,235 · 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).