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$19,503
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$617/mo
Today · 4.125%
HK$20,726
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,452/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,697
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$590/mo
Today · 4.125%
HK$22,869
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,738/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$740/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$709/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$863/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$826/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$1,109/mo
Today · 4.125%
HK$37,306
baseline
▲ 0.50% · 4.625%
HK$39,576
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,612/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,054
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,101
−HK$1,063/mo
Today · 4.125%
HK$41,164
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,328/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,587 · 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).