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$19,272
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$609/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$584/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$731/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,727
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$700/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,547
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$853/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,015
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$817/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,667/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,689
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,768
−HK$1,096/mo
Today · 4.125%
HK$36,864
baseline
▲ 0.50% · 4.625%
HK$39,107
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,728/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,591
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,050/mo
Today · 4.125%
HK$40,676
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,352/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,545 · 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).