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$19,324
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$611/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$585/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$732/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,798
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,490
−HK$702/mo
Today · 4.125%
HK$27,192
baseline
▲ 0.50% · 4.625%
HK$28,625
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,384/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,054
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$855/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,097
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$818/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,784
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,866
−HK$1,099/mo
Today · 4.125%
HK$36,965
baseline
▲ 0.50% · 4.625%
HK$39,214
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,930/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,697
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,734
−HK$1,053/mo
Today · 4.125%
HK$40,787
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,574/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,239 · 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).