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$19,321
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$611/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,495
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$585/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$733/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$701/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$855/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$819/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,779
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$1,100/mo
Today · 4.125%
HK$36,960
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$2,248/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,920/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,691
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,053/mo
Today · 4.125%
HK$40,781
baseline
▲ 0.50% · 4.625%
HK$42,931
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,562/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,201 · 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).