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$19,303
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$610/mo
Today · 4.125%
HK$20,514
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,028/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$584/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,164
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$733/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,497/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,461
−HK$701/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$854/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,467
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$818/mo
Today · 4.125%
HK$31,689
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,378/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,746
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$1,098/mo
Today · 4.125%
HK$36,925
baseline
▲ 0.50% · 4.625%
HK$39,172
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,850/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,052/mo
Today · 4.125%
HK$40,743
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,147/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,486/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,963 · 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).