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$19,309
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$610/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,249/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$584/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,194/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$732/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,778
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,469
−HK$702/mo
Today · 4.125%
HK$27,171
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,432/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,342/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$854/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,748/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$818/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,671/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$1,099/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$39,184
+HK$2,247/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,052/mo
Today · 4.125%
HK$40,756
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,148/mo
Deposit HK$847K · loan HK$7.62M · min. income ≈ HK$81,512/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,043 · 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).