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$19,328
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$610/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$585/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,194
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$733/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$702/mo
Today · 4.125%
HK$27,197
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,394/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,901
−HK$856/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,911
−HK$819/mo
Today · 4.125%
HK$31,730
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,460/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$1,100/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$39,222
+HK$2,249/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,705
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,743
−HK$1,053/mo
Today · 4.125%
HK$40,796
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,150/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,592/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,292 · 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).