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$19,223
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,821
−HK$607/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$582/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,729
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,785
−HK$729/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$698/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$851/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$815/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$1,093/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,494
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,047/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,905 · 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).