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$19,230
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,828
−HK$608/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,243/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$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$582/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$729/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$699/mo
Today · 4.125%
HK$27,059
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,118/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$850/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$815/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$1,094/mo
Today · 4.125%
HK$36,785
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,570/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,047/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$42,728
+HK$2,140/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,000 · 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).