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$19,342
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$612/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$585/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,210
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$734/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,821
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$702/mo
Today · 4.125%
HK$27,216
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,432/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,921
−HK$856/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$820/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,815
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$1,100/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$2,252/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,732
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,054/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,469 · 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).