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$19,274
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,873
−HK$610/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,442
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$584/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$731/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$700/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$853/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,420
+HK$1,744/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,824
−HK$817/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,693
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$1,097/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,050/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,576 · 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).