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$19,228
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,826
−HK$608/mo
Today · 4.125%
HK$20,434
baseline
▲ 0.50% · 4.625%
HK$21,677
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,868/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,391
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,965
−HK$582/mo
Today · 4.125%
HK$22,547
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,094/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$730/mo
Today · 4.125%
HK$24,521
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,042/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$698/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,919
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$850/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$814/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$1,094/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,536
−HK$1,048/mo
Today · 4.125%
HK$40,584
baseline
▲ 0.50% · 4.625%
HK$42,723
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,168/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,973 · 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).