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$19,319
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,920
−HK$610/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$585/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$23,847
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$733/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$702/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,046
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,887
−HK$855/mo
Today · 4.125%
HK$28,742
baseline
▲ 0.50% · 4.625%
HK$30,491
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,484/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,895
−HK$819/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,774
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,855
−HK$1,099/mo
Today · 4.125%
HK$36,954
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$2,249/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,908/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,685
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,052/mo
Today · 4.125%
HK$40,775
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,150/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,550/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,165 · 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).