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$19,266
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$608/mo
Today · 4.125%
HK$20,474
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,948/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$583/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,191/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,119
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$730/mo
Today · 4.125%
HK$24,569
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,138/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$700/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$852/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$816/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,295
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,758
−HK$1,096/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$39,096
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,050/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,143/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,475 · 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).