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$19,347
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$611/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$586/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$734/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$703/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$856/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,751/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$819/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,674/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,824
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,907
−HK$1,101/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,252/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,152/mo
Deposit HK$848K · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,535 · 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).