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$19,339
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$611/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,092
−HK$585/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$733/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,510
−HK$702/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$856/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$820/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,810
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$1,100/mo
Today · 4.125%
HK$36,993
baseline
▲ 0.50% · 4.625%
HK$39,244
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,986/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,726
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,053/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$42,970
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,433 · 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).