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$19,257
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$608/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$583/mo
Today · 4.125%
HK$22,580
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,160/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$730/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$699/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$852/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,393
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,796
−HK$816/mo
Today · 4.125%
HK$31,612
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,224/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$1,096/mo
Today · 4.125%
HK$36,836
baseline
▲ 0.50% · 4.625%
HK$39,077
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,672/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,049/mo
Today · 4.125%
HK$40,644
baseline
▲ 0.50% · 4.625%
HK$42,787
+HK$2,143/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,288/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,349 · 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).