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$19,310
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$610/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,483
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$584/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$23,837
+HK$1,194/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$733/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$701/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,604
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$854/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,882
−HK$819/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$1,098/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$2,248/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,669
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,052/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,057 · 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).