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$19,234
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$607/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$582/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$730/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,678
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$699/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,928
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$851/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$815/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,240
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,622
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,699
−HK$1,094/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,048/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,055 · 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).