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$19,325
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$611/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$584/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$733/mo
Today · 4.125%
HK$24,644
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,288/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$855/mo
Today · 4.125%
HK$28,752
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,504/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,906
−HK$819/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,397
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,785
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$1,100/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,053/mo
Today · 4.125%
HK$40,789
baseline
▲ 0.50% · 4.625%
HK$42,939
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,578/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,249 · 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).