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$19,304
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$610/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$584/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$23,829
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$732/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,498/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$855/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,468
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$818/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,828
−HK$1,098/mo
Today · 4.125%
HK$36,926
baseline
▲ 0.50% · 4.625%
HK$39,173
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,852/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,656
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,693
−HK$1,052/mo
Today · 4.125%
HK$40,745
baseline
▲ 0.50% · 4.625%
HK$42,892
+HK$2,147/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,490/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,974 · 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).