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$19,282
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$609/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$584/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$731/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$700/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$854/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,031
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$817/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,787
−HK$1,097/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,647
−HK$1,051/mo
Today · 4.125%
HK$40,698
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,396/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,682 · 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).