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$19,324
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$611/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,249/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$585/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$733/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$26,142
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$702/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,433/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$855/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,749/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,097
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$819/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,672/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,783
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,865
−HK$1,099/mo
Today · 4.125%
HK$36,964
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$2,249/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$73,928/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,696
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,053/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,150/mo
Deposit HK$847K · loan HK$7.63M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,232 · 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).