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$19,286
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$609/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,742
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$584/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$731/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$700/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$853/mo
Today · 4.125%
HK$28,693
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,386/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$817/mo
Today · 4.125%
HK$31,660
baseline
▲ 0.50% · 4.625%
HK$33,329
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,320/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,715
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$1,098/mo
Today · 4.125%
HK$36,892
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,784/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,620
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,051/mo
Today · 4.125%
HK$40,706
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,412/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,734 · 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).