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$19,332
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,934
−HK$611/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,795
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,084
−HK$585/mo
Today · 4.125%
HK$22,669
baseline
▲ 0.50% · 4.625%
HK$23,864
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,338/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$734/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$702/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,907
−HK$856/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$820/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$1,099/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,751
−HK$1,053/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$42,955
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,345 · 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).