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$19,281
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$610/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$583/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$731/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,739
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$700/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$853/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$817/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,705
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,785
−HK$1,097/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,609
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,050/mo
Today · 4.125%
HK$40,695
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,390/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,665 · 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).