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$19,326
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$611/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$585/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,191
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$733/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,627
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$856/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$819/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,786
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$1,100/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$39,217
+HK$2,249/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,936/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,699
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,737
−HK$1,053/mo
Today · 4.125%
HK$40,790
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,150/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,580/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,257 · 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).