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$19,243
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,841
−HK$608/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,694
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,407
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$583/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,091
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$730/mo
Today · 4.125%
HK$24,539
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,078/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$699/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$851/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,970
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$815/mo
Today · 4.125%
HK$31,589
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,178/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,637
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$1,095/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$2,240/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,048/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$42,756
+HK$2,141/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,165 · 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).