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$19,251
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$608/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$583/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$730/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,100/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$699/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$851/mo
Today · 4.125%
HK$28,641
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,282/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$816/mo
Today · 4.125%
HK$31,603
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,206/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$1,095/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,550
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,048/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,142/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,274 · 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).