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$19,348
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$612/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,102
−HK$586/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,940
−HK$734/mo
Today · 4.125%
HK$24,674
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,348/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$703/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$856/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$820/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,827
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,910
−HK$1,101/mo
Today · 4.125%
HK$37,011
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$2,252/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,022/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,054/mo
Today · 4.125%
HK$40,838
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,152/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,676/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,554 · 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).