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$19,302
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$610/mo
Today · 4.125%
HK$20,512
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,024/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$584/mo
Today · 4.125%
HK$22,633
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,266/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,162
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$732/mo
Today · 4.125%
HK$24,615
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,497/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,230/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$701/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$854/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,062
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$818/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,357
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,743
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$1,098/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,651
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,688
−HK$1,052/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,942 · 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).