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$19,242
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$609/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$582/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$729/mo
Today · 4.125%
HK$24,538
baseline
▲ 0.50% · 4.625%
HK$26,031
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,076/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,377
−HK$699/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$851/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$815/mo
Today · 4.125%
HK$31,588
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,176/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$1,094/mo
Today · 4.125%
HK$36,807
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$2,240/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,614/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,048/mo
Today · 4.125%
HK$40,613
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,141/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,226/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,156 · 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).