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$19,273
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,873
−HK$609/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$584/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,847
−HK$731/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$700/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$852/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,018
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$816/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,771
−HK$1,096/mo
Today · 4.125%
HK$36,867
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,734/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,050/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,565 · 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).