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$19,224
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$608/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$582/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,069
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$729/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,491/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$699/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$851/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$814/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$1,094/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$2,237/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,496
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,047/mo
Today · 4.125%
HK$40,576
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,152/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,923 · 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).