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$19,353
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$612/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$586/mo
Today · 4.125%
HK$22,694
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,388/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$734/mo
Today · 4.125%
HK$24,680
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,502/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,360/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$703/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,436/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$857/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$820/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,446
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$1,101/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$39,273
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,755
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,054/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,620 · 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).