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$19,299
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$610/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$585/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,497/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$700/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$853/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$817/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,351
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$1,098/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,051/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,902 · 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).