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$19,299
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$609/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$584/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,109
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$701/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$854/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$818/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$1,098/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$39,163
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,683
−HK$1,051/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$42,882
+HK$2,148/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,909 · 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).