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$19,305
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$610/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$585/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$733/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,463
−HK$701/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,596
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$854/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$819/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,749
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$1,098/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,052/mo
Today · 4.125%
HK$40,746
baseline
▲ 0.50% · 4.625%
HK$42,894
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,492/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,984 · 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).