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$19,303
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$610/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$585/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,164
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$732/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$702/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$854/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$818/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,745
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,826
−HK$1,098/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,051/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,959 · 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).