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$19,290
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$609/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$584/mo
Today · 4.125%
HK$22,619
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,238/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$731/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$701/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$854/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,043
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$817/mo
Today · 4.125%
HK$31,666
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,332/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$1,098/mo
Today · 4.125%
HK$36,899
baseline
▲ 0.50% · 4.625%
HK$39,144
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,798/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,051/mo
Today · 4.125%
HK$40,714
baseline
▲ 0.50% · 4.625%
HK$42,860
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,428/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,783 · 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).