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$19,276
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$609/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,732
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,020
−HK$584/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,734
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,424
−HK$700/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$852/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,023
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,828
−HK$817/mo
Today · 4.125%
HK$31,645
baseline
▲ 0.50% · 4.625%
HK$33,313
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,290/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,698
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$1,097/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$39,117
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,601
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,050/mo
Today · 4.125%
HK$40,686
baseline
▲ 0.50% · 4.625%
HK$42,831
+HK$2,145/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,372/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,610 · 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).