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$19,332
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$611/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,506
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$585/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$733/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$702/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,906
−HK$856/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,512
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,109
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$819/mo
Today · 4.125%
HK$31,736
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,472/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,797
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$1,099/mo
Today · 4.125%
HK$36,979
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$2,250/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,958/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,712
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,750
−HK$1,053/mo
Today · 4.125%
HK$40,803
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,606/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,338 · 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).