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$19,282
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$609/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$583/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$732/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$700/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$853/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,746/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$817/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$1,097/mo
Today · 4.125%
HK$36,885
baseline
▲ 0.50% · 4.625%
HK$39,129
+HK$2,244/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,770/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,648
−HK$1,051/mo
Today · 4.125%
HK$40,699
baseline
▲ 0.50% · 4.625%
HK$42,844
+HK$2,145/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,398/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,686 · 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).