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$19,227
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$608/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$582/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,734
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$729/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$699/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,918
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$851/mo
Today · 4.125%
HK$28,606
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,212/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,946
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$815/mo
Today · 4.125%
HK$31,564
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,128/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,609
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$1,094/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,048/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,958 · 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).