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$19,329
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$611/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$585/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$733/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$702/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,061
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$856/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,507
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,105
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$819/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,792
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$1,099/mo
Today · 4.125%
HK$36,974
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,948/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,706
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,744
−HK$1,053/mo
Today · 4.125%
HK$40,797
baseline
▲ 0.50% · 4.625%
HK$42,948
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,594/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,302 · 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).