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$19,227
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$607/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$582/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$729/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$698/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$850/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$815/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$1,094/mo
Today · 4.125%
HK$36,778
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,556/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,047/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$42,720
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,954 · 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).