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$19,343
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$611/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$586/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$734/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$702/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$856/mo
Today · 4.125%
HK$28,778
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,556/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,126
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$819/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,427
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$1,100/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$39,251
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,733
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,054/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$42,978
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,479 · 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).