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$19,346
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$611/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$586/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$734/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$703/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$856/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,751/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,131
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$820/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$1,100/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$39,258
+HK$2,252/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,740
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,779
−HK$1,054/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$42,985
+HK$2,152/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,522 · 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).