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$19,313
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$610/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$585/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,897
−HK$732/mo
Today · 4.125%
HK$24,629
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,258/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,783
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$702/mo
Today · 4.125%
HK$27,176
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,352/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$854/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,483
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$818/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$1,099/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,674
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,052/mo
Today · 4.125%
HK$40,764
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,528/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,094 · 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).