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$19,289
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$609/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,247/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,458
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$584/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,192/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,146
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$732/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,750
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$700/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$853/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$818/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,669/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,719
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$1,098/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$39,142
+HK$2,245/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,661
−HK$1,051/mo
Today · 4.125%
HK$40,712
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,146/mo
Deposit HK$846K · loan HK$7.61M · min. income ≈ HK$81,424/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,769 · 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).