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$19,341
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$611/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$586/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$23,874
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$733/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$702/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$856/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$819/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$1,100/mo
Today · 4.125%
HK$36,996
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,992/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,054/mo
Today · 4.125%
HK$40,822
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,644/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,454 · 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).