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$19,262
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$609/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,246/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$583/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$730/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,715
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$700/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$852/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,402
+HK$1,744/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$816/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,288
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,672
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$1,096/mo
Today · 4.125%
HK$36,846
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$2,242/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$73,692/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,050/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,143/mo
Deposit HK$845K · loan HK$7.60M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,421 · 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).