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$19,306
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$611/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$584/mo
Today · 4.125%
HK$22,638
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,276/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$732/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$702/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$854/mo
Today · 4.125%
HK$28,723
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,446/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$818/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$1,099/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$39,177
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,660
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,052/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,996 · 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).