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$19,293
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,893
−HK$610/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,750
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,463
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$584/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$731/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,498/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$701/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$854/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$817/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$1,097/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$39,151
+HK$2,246/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,634
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,051/mo
Today · 4.125%
HK$40,721
baseline
▲ 0.50% · 4.625%
HK$42,868
+HK$2,147/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,442/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,828 · 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).