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$19,356
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$612/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,252/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$586/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$734/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,502/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,436/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$856/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,752/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$820/mo
Today · 4.125%
HK$31,776
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,552/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$1,101/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$39,279
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,800
−HK$1,055/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,008
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,658 · 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).