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$19,307
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,908
−HK$610/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$585/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$732/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$702/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,030
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,871
−HK$854/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,071
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$819/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$1,099/mo
Today · 4.125%
HK$36,933
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,866/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,663
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,052/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,017 · 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).