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$19,291
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$610/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$584/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,813
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$732/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$700/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$854/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,851
−HK$818/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,804
−HK$1,097/mo
Today · 4.125%
HK$36,901
baseline
▲ 0.50% · 4.625%
HK$39,146
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,802/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,630
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,666
−HK$1,051/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$42,863
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,800 · 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).