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$1,211/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$610/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,496
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$585/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,194/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$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,187
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$733/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,796
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$702/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$855/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$819/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,863
−HK$1,099/mo
Today · 4.125%
HK$36,962
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,924/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,053/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,217 · 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).