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$19,244
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$609/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$582/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$730/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,690
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$699/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,505
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$852/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$815/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$1,095/mo
Today · 4.125%
HK$36,811
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,622/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,048/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,179 · 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).