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$19,314
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$610/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,774
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$585/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$733/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$701/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$855/mo
Today · 4.125%
HK$28,736
baseline
▲ 0.50% · 4.625%
HK$30,484
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,472/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,082
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$819/mo
Today · 4.125%
HK$31,707
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,414/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$1,099/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$39,194
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,676
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,052/mo
Today · 4.125%
HK$40,766
baseline
▲ 0.50% · 4.625%
HK$42,915
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,532/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,107 · 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).