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$19,358
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$611/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,252/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,535
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$586/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,229
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,952
−HK$734/mo
Today · 4.125%
HK$24,686
baseline
▲ 0.50% · 4.625%
HK$26,188
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,535
−HK$703/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$856/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$820/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$1,102/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$39,282
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,763
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,803
−HK$1,054/mo
Today · 4.125%
HK$40,857
baseline
▲ 0.50% · 4.625%
HK$43,011
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,714/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,677 · 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).