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$19,342
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$611/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$585/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$733/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$703/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,921
−HK$856/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$820/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,816
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,899
−HK$1,100/mo
Today · 4.125%
HK$36,999
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,998/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,732
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,771
−HK$1,054/mo
Today · 4.125%
HK$40,825
baseline
▲ 0.50% · 4.625%
HK$42,977
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,650/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,474 · 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).