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$19,287
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$610/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$584/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,808
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$732/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$700/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,002
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$853/mo
Today · 4.125%
HK$28,695
baseline
▲ 0.50% · 4.625%
HK$30,441
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,390/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,845
−HK$817/mo
Today · 4.125%
HK$31,662
baseline
▲ 0.50% · 4.625%
HK$33,331
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,324/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,717
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,797
−HK$1,097/mo
Today · 4.125%
HK$36,894
baseline
▲ 0.50% · 4.625%
HK$39,139
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,788/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,658
−HK$1,051/mo
Today · 4.125%
HK$40,709
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,418/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,749 · 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).