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$19,279
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$609/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,448
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$583/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$701/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,830
−HK$853/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,832
−HK$817/mo
Today · 4.125%
HK$31,649
baseline
▲ 0.50% · 4.625%
HK$33,317
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,298/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$1,097/mo
Today · 4.125%
HK$36,878
baseline
▲ 0.50% · 4.625%
HK$39,122
+HK$2,244/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,756/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,606
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,641
−HK$1,050/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,145/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,642 · 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).