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$1,208/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$609/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$583/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$731/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$701/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,429/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$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$853/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,020
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,825
−HK$817/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,310
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$1,097/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,597
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,050/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$42,827
+HK$2,145/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,585 · 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).