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$19,316
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$611/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$584/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,179
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$732/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$701/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$855/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,084
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$818/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,768
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$1,099/mo
Today · 4.125%
HK$36,948
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,896/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,679
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,053/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$42,918
+HK$2,149/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,124 · 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).