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$19,243
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$608/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,694
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$582/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,092
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,810
−HK$730/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$699/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,505
+HK$1,428/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$852/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,971
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$815/mo
Today · 4.125%
HK$31,590
baseline
▲ 0.50% · 4.625%
HK$33,255
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,180/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,638
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$1,095/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$2,239/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,049/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$42,757
+HK$2,141/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,171 · 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).