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$19,327
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$611/mo
Today · 4.125%
HK$20,539
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,078/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$585/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$733/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$26,146
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,801
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$702/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$855/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,101
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$819/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$1,099/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,249/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,702
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,740
−HK$1,053/mo
Today · 4.125%
HK$40,793
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,150/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,586/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,273 · 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).