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$19,283
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$610/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,453
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$584/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,140
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$731/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,434
−HK$700/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$853/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$817/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$1,097/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$39,131
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,650
−HK$1,051/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$42,846
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,701 · 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).