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$19,231
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$607/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$582/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$730/mo
Today · 4.125%
HK$24,524
baseline
▲ 0.50% · 4.625%
HK$26,016
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,048/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,361
−HK$699/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,486
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$851/mo
Today · 4.125%
HK$28,611
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,222/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$815/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$1,094/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$39,024
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,509
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,542
−HK$1,047/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,140/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,006 · 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).