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$19,277
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$609/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,732
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,446
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$583/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$731/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$700/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$853/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,425
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$817/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,778
−HK$1,097/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$39,118
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,602
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,637
−HK$1,051/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,618 · 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).