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$19,249
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$608/mo
Today · 4.125%
HK$20,456
baseline
▲ 0.50% · 4.625%
HK$21,701
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,912/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,414
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$582/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,761
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,099
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$730/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,697
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$699/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,949
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$852/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$816/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,580
−HK$1,049/mo
Today · 4.125%
HK$40,629
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,258/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,250 · 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).