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$19,240
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$608/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$582/mo
Today · 4.125%
HK$22,561
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,122/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,088
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$729/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,686
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$699/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$852/mo
Today · 4.125%
HK$28,626
baseline
▲ 0.50% · 4.625%
HK$30,367
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,252/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,770
−HK$815/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,250
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$1,094/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$2,240/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,562
−HK$1,048/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,134 · 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).