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$19,512
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$616/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$591/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$740/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$708/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$864/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$827/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$1,110/mo
Today · 4.125%
HK$37,324
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,648/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,063/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,707 · 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).