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$19,353
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$611/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,252/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,107
−HK$586/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$23,889
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$734/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,502/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$703/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,436/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$857/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$820/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$1,101/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$39,272
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,793
−HK$1,054/mo
Today · 4.125%
HK$40,847
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,694/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,611 · 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).