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$19,320
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$610/mo
Today · 4.125%
HK$20,531
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,062/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,493
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$584/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,184
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$733/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$701/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$855/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$818/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,776
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$1,099/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$39,205
+HK$2,248/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,688
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,725
−HK$1,053/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,182 · 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).