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$19,285
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$610/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$584/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,142
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$732/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$701/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$854/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$817/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$1,097/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,050/mo
Today · 4.125%
HK$40,703
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,406/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,717 · 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).