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$19,272
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$609/mo
Today · 4.125%
HK$20,481
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,962/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,440
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$584/mo
Today · 4.125%
HK$22,599
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,198/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,127
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$731/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$26,073
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$700/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$852/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,822
−HK$816/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$1,097/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,593
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,050/mo
Today · 4.125%
HK$40,678
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,356/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,557 · 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).