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$19,358
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$612/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,252/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$586/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,197/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,952
−HK$734/mo
Today · 4.125%
HK$24,686
baseline
▲ 0.50% · 4.625%
HK$26,188
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$703/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$857/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$821/mo
Today · 4.125%
HK$31,779
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,558/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,928
−HK$1,101/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$39,283
+HK$2,254/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,764
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,054/mo
Today · 4.125%
HK$40,858
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,154/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,716/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,683 · 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).