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$19,301
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,901
−HK$610/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,759
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,048
−HK$584/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,161
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$732/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,497/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$701/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,431/mo
Deposit HK$3.39M · loan HK$5.08M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$854/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,061
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$818/mo
Today · 4.125%
HK$31,685
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,370/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,742
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$1,098/mo
Today · 4.125%
HK$36,921
baseline
▲ 0.50% · 4.625%
HK$39,167
+HK$2,246/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,842/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,650
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,051/mo
Today · 4.125%
HK$40,738
baseline
▲ 0.50% · 4.625%
HK$42,886
+HK$2,148/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,476/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,933 · 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).