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$19,354
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,957
−HK$611/mo
Today · 4.125%
HK$20,568
baseline
▲ 0.50% · 4.625%
HK$21,820
+HK$1,252/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,136/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,532
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$586/mo
Today · 4.125%
HK$22,695
baseline
▲ 0.50% · 4.625%
HK$23,891
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,390/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$734/mo
Today · 4.125%
HK$24,682
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,364/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$703/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,435/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,939
−HK$856/mo
Today · 4.125%
HK$28,795
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,590/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,144
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$820/mo
Today · 4.125%
HK$31,773
baseline
▲ 0.50% · 4.625%
HK$33,448
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,546/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$1,101/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$2,252/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,055/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,636 · 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).