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$19,270
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$609/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$583/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$731/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,725
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$700/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$853/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,744/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$816/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$1,096/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,050/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,143/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,524 · 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).