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$19,247
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$608/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,699
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$583/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,759
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$730/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$26,038
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$699/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,510
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$852/mo
Today · 4.125%
HK$28,636
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,272/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,977
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$815/mo
Today · 4.125%
HK$31,596
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,192/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,645
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,722
−HK$1,095/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$39,057
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,542
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,049/mo
Today · 4.125%
HK$40,624
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,248/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,222 · 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).