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$19,234
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$608/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,397
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$582/mo
Today · 4.125%
HK$22,553
baseline
▲ 0.50% · 4.625%
HK$23,742
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,106/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$730/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,677
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$699/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$851/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$815/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$1,094/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,048/mo
Today · 4.125%
HK$40,596
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,140/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,192/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,048 · 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).