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$19,287
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$610/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$583/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$731/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$700/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,841
−HK$853/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,844
−HK$817/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$1,097/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,051/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$42,853
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,742 · 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).