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$19,224
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$607/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$581/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$729/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,663
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$698/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$851/mo
Today · 4.125%
HK$28,601
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,202/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$815/mo
Today · 4.125%
HK$31,558
baseline
▲ 0.50% · 4.625%
HK$33,222
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,116/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$1,093/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,048/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,914 · 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).