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$19,256
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$608/mo
Today · 4.125%
HK$20,463
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,926/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,996
−HK$583/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,769
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$730/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$699/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,523
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$851/mo
Today · 4.125%
HK$28,648
baseline
▲ 0.50% · 4.625%
HK$30,392
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,296/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,990
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$816/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$1,096/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,049/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,143/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,337 · 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).