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$19,323
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$611/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$584/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,909
−HK$733/mo
Today · 4.125%
HK$24,642
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,284/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,796
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$702/mo
Today · 4.125%
HK$27,190
baseline
▲ 0.50% · 4.625%
HK$28,623
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,380/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$855/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,903
−HK$819/mo
Today · 4.125%
HK$31,722
baseline
▲ 0.50% · 4.625%
HK$33,394
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,444/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,099/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,053/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,226 · 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).