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$19,519
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$617/mo
Today · 4.125%
HK$20,743
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,486/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$590/mo
Today · 4.125%
HK$22,887
baseline
▲ 0.50% · 4.625%
HK$24,094
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,774/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$740/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,326
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$864/mo
Today · 4.125%
HK$29,040
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,080/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,400
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$827/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,731
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$1,111/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,063/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,369
+HK$2,172/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,796 · 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).