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$19,241
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$608/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,244/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$582/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,189/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$730/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,493/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,375
−HK$699/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,427/mo
Deposit HK$3.38M · loan HK$5.06M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,775
−HK$852/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,742/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$816/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,665/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,634
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$1,095/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$2,239/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,049/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,140/mo
Deposit HK$844K · loan HK$7.59M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,144 · 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).