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$19,292
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$610/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$583/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$732/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$701/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$853/mo
Today · 4.125%
HK$28,702
baseline
▲ 0.50% · 4.625%
HK$30,449
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,404/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,047
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$817/mo
Today · 4.125%
HK$31,670
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,340/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$1,098/mo
Today · 4.125%
HK$36,903
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,806/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,631
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,051/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$42,865
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,811 · 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).