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$19,338
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$611/mo
Today · 4.125%
HK$20,551
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,102/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$585/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$23,871
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,206
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$733/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$702/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$855/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,119
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$819/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,892
−HK$1,100/mo
Today · 4.125%
HK$36,992
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,984/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,725
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,054/mo
Today · 4.125%
HK$40,817
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,151/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,634/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,423 · 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).