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$19,294
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$609/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,248/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$584/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$23,817
+HK$1,193/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$732/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,497/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$700/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,431/mo
Deposit HK$3.38M · loan HK$5.08M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$854/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,747/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$817/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,670/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$1,098/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$2,245/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,673
−HK$1,051/mo
Today · 4.125%
HK$40,724
baseline
▲ 0.50% · 4.625%
HK$42,871
+HK$2,147/mo
Deposit HK$846K · loan HK$7.62M · min. income ≈ HK$81,448/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,845 · 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).