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$19,284
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$609/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,453
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$583/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$731/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,744
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,434
−HK$701/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,565
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$854/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,035
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$817/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$1,097/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,616
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,050/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$42,848
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,709 · 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).