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$19,265
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$609/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,432
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$584/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,780
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$730/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$699/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$853/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,406
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$816/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$1,096/mo
Today · 4.125%
HK$36,851
baseline
▲ 0.50% · 4.625%
HK$39,093
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,702/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,577
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,612
−HK$1,049/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$42,804
+HK$2,143/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,453 · 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).