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$19,290
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$610/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$584/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$732/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$701/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$854/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$818/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,723
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$1,097/mo
Today · 4.125%
HK$36,900
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,800/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,051/mo
Today · 4.125%
HK$40,715
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,147/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,430/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,792 · 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).