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$19,335
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$611/mo
Today · 4.125%
HK$20,548
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,096/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$585/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$733/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$703/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,069
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,911
−HK$856/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,114
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$819/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,414
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,803
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$1,100/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,757
−HK$1,053/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$42,961
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,381 · 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).