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$19,260
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$609/mo
Today · 4.125%
HK$20,468
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,936/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$583/mo
Today · 4.125%
HK$22,585
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,170/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$731/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,494/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$699/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$852/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$816/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$1,096/mo
Today · 4.125%
HK$36,843
baseline
▲ 0.50% · 4.625%
HK$39,084
+HK$2,241/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,686/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,049/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,143/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,398 · 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).