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$19,350
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$611/mo
Today · 4.125%
HK$20,563
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,126/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$585/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$734/mo
Today · 4.125%
HK$24,676
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,352/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,524
−HK$703/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$856/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,945
−HK$820/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,913
−HK$1,101/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$2,252/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,747
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,787
−HK$1,054/mo
Today · 4.125%
HK$40,841
baseline
▲ 0.50% · 4.625%
HK$42,994
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,682/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,574 · 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).