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$19,232
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,830
−HK$608/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,395
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$582/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,796
−HK$729/mo
Today · 4.125%
HK$24,525
baseline
▲ 0.50% · 4.625%
HK$26,018
+HK$1,493/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,050/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$698/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,488
+HK$1,427/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$851/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$815/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$1,094/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$39,026
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,048/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,021 · 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).