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$19,238
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$608/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,402
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,976
−HK$582/mo
Today · 4.125%
HK$22,558
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,116/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,803
−HK$730/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$26,026
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,682
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$699/mo
Today · 4.125%
HK$27,070
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,140/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,933
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$851/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$815/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$1,095/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,523
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,048/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$42,745
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,101 · 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).