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$19,229
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$608/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,678
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$582/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,075
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,792
−HK$730/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,670
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$698/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,483
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,920
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$850/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,349
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$815/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,612
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$1,094/mo
Today · 4.125%
HK$36,782
baseline
▲ 0.50% · 4.625%
HK$39,020
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,564/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,505
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,538
−HK$1,048/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$42,725
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,983 · 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).