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$19,235
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$608/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,973
−HK$582/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$730/mo
Today · 4.125%
HK$24,530
baseline
▲ 0.50% · 4.625%
HK$26,022
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,060/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$699/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,493
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,929
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$851/mo
Today · 4.125%
HK$28,618
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,236/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$815/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,623
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$1,094/mo
Today · 4.125%
HK$36,794
baseline
▲ 0.50% · 4.625%
HK$39,033
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,588/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,518
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,551
−HK$1,048/mo
Today · 4.125%
HK$40,599
baseline
▲ 0.50% · 4.625%
HK$42,739
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,198/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,065 · 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).