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$19,280
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$609/mo
Today · 4.125%
HK$20,489
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,978/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,449
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$583/mo
Today · 4.125%
HK$22,607
baseline
▲ 0.50% · 4.625%
HK$23,799
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,214/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,136
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$732/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$700/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,992
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$853/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$817/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,704
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$1,097/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$39,124
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,050/mo
Today · 4.125%
HK$40,693
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,386/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,654 · 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).