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$19,269
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$609/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,437
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$583/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$730/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$700/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$853/mo
Today · 4.125%
HK$28,669
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,744/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,338/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,012
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$816/mo
Today · 4.125%
HK$31,633
baseline
▲ 0.50% · 4.625%
HK$33,301
+HK$1,668/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,266/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,685
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$1,096/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$2,243/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,587
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,049/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,518 · 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).