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$19,229
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$608/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$582/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,075
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$729/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$699/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$851/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$815/mo
Today · 4.125%
HK$31,568
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,136/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$1,094/mo
Today · 4.125%
HK$36,783
baseline
▲ 0.50% · 4.625%
HK$39,022
+HK$2,239/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,566/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,048/mo
Today · 4.125%
HK$40,587
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,174/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,990 · 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).