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$19,345
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$612/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$585/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,214
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$733/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$703/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$856/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,751/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$820/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$1,100/mo
Today · 4.125%
HK$37,005
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$2,252/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$74,010/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,054/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,152/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,516 · 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).