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$19,254
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$609/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$583/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,104
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$730/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$699/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$852/mo
Today · 4.125%
HK$28,645
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,290/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,791
−HK$816/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,656
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$1,096/mo
Today · 4.125%
HK$36,830
baseline
▲ 0.50% · 4.625%
HK$39,071
+HK$2,241/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,660/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,555
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,589
−HK$1,049/mo
Today · 4.125%
HK$40,638
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,142/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,276/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,309 · 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).