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$19,225
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$608/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,388
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$582/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$729/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$698/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$850/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$815/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,605
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,682
−HK$1,093/mo
Today · 4.125%
HK$36,775
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,550/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,531
−HK$1,047/mo
Today · 4.125%
HK$40,578
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,156/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,936 · 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).