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$19,239
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$582/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,087
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$729/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,684
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$698/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,935
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$852/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,964
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$815/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,248
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,630
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$1,095/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,048/mo
Today · 4.125%
HK$40,607
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,141/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,214/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,116 · 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).