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$19,226
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$608/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$582/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$729/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,666
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$698/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$850/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$815/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$1,094/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,048/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,945 · 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).