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$19,343
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$611/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,096
−HK$586/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,195/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,212
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,934
−HK$734/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,823
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$702/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,653
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,081
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$856/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,127
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$820/mo
Today · 4.125%
HK$31,755
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,510/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,818
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,901
−HK$1,100/mo
Today · 4.125%
HK$37,001
baseline
▲ 0.50% · 4.625%
HK$39,253
+HK$2,252/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$74,002/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,735
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,773
−HK$1,054/mo
Today · 4.125%
HK$40,827
baseline
▲ 0.50% · 4.625%
HK$42,979
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,654/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,489 · 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).