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$19,245
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$608/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,696
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,984
−HK$582/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,756
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$730/mo
Today · 4.125%
HK$24,542
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,084/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$699/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,943
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$851/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,375
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,974
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,778
−HK$815/mo
Today · 4.125%
HK$31,593
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,186/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,641
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$1,095/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$2,240/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,538
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,049/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$42,761
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,195 · 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).