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$19,259
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$608/mo
Today · 4.125%
HK$20,466
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,932/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,425
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$583/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$731/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,710
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$699/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,801
−HK$852/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,396
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,995
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$816/mo
Today · 4.125%
HK$31,616
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,666/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,232/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$1,095/mo
Today · 4.125%
HK$36,839
baseline
▲ 0.50% · 4.625%
HK$39,081
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,678/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,565
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,050/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,142/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,375 · 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).