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$19,297
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$610/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$584/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$731/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$701/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$854/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,457
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$817/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,815
−HK$1,098/mo
Today · 4.125%
HK$36,913
baseline
▲ 0.50% · 4.625%
HK$39,159
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,826/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,642
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,678
−HK$1,051/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,879 · 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).