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$19,237
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$608/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$583/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$729/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$699/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$851/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,361
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,961
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$815/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,244
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,626
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$1,094/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,521
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,554
−HK$1,048/mo
Today · 4.125%
HK$40,602
baseline
▲ 0.50% · 4.625%
HK$42,742
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,204/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,084 · 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).