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$19,352
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$612/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$586/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$734/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,502/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,834
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,527
−HK$703/mo
Today · 4.125%
HK$27,230
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,460/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$856/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,543
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,140
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,948
−HK$820/mo
Today · 4.125%
HK$31,768
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,536/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$1,101/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$2,252/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,751
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,790
−HK$1,055/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,597 · 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).