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$19,236
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$608/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,973
−HK$583/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$729/mo
Today · 4.125%
HK$24,530
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,060/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$699/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,493
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$851/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,763
−HK$815/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,701
−HK$1,094/mo
Today · 4.125%
HK$36,795
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,590/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,048/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,073 · 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).