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$19,328
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$611/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$585/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,194
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$733/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$702/mo
Today · 4.125%
HK$27,197
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,394/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,901
−HK$855/mo
Today · 4.125%
HK$28,756
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,512/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,103
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,911
−HK$819/mo
Today · 4.125%
HK$31,730
baseline
▲ 0.50% · 4.625%
HK$33,402
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,460/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$1,099/mo
Today · 4.125%
HK$36,972
baseline
▲ 0.50% · 4.625%
HK$39,222
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,944/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,053/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,289 · 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).