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$19,254
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$609/mo
Today · 4.125%
HK$20,462
baseline
▲ 0.50% · 4.625%
HK$21,707
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,924/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,420
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,995
−HK$583/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,105
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$730/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$699/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$851/mo
Today · 4.125%
HK$28,646
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,292/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,793
−HK$816/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,275
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,736
−HK$1,095/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$39,072
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,556
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,590
−HK$1,050/mo
Today · 4.125%
HK$40,640
baseline
▲ 0.50% · 4.625%
HK$42,782
+HK$2,142/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,280/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,318 · 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).