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$19,275
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$609/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$583/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$731/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,732
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$700/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,552
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$853/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$817/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,775
−HK$1,096/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$39,115
+HK$2,244/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,051/mo
Today · 4.125%
HK$40,684
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,368/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,593 · 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).