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$19,356
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$612/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$586/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$734/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,501/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,435/mo
Deposit HK$3.40M · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$856/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,753/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$820/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,675/mo
Deposit HK$2.55M · loan HK$5.94M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$1,101/mo
Today · 4.125%
HK$37,025
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$2,253/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$74,050/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,055/mo
Today · 4.125%
HK$40,854
baseline
▲ 0.50% · 4.625%
HK$43,007
+HK$2,153/mo
Deposit HK$849K · loan HK$7.64M · min. income ≈ HK$81,708/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,654 · 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).