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$19,312
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,913
−HK$610/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,772
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,485
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$585/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$23,839
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$732/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$702/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,037
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,878
−HK$855/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,481
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,079
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$818/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,375
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,762
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,844
−HK$1,098/mo
Today · 4.125%
HK$36,942
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,884/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,710
−HK$1,052/mo
Today · 4.125%
HK$40,762
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,524/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,083 · 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).