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$19,285
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$609/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$583/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,142
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$731/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$700/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$853/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$818/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$1,098/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,051/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$42,850
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,720 · 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).