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$19,326
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$611/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$585/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,194/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,191
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$733/mo
Today · 4.125%
HK$24,646
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,499/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,292/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,800
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,492
−HK$702/mo
Today · 4.125%
HK$27,194
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,388/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$855/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,750/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$819/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.93M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,869
−HK$1,100/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$2,249/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,700
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,738
−HK$1,053/mo
Today · 4.125%
HK$40,791
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,150/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,582/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,263 · 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).