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$19,340
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$611/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$585/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,208
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$733/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$703/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$856/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$819/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,423
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,895
−HK$1,100/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,728
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,053/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$42,972
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,445 · 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).