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$19,461
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$615/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$589/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$738/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$706/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$861/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$825/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,120
−HK$1,107/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$2,266/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,971
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,016
−HK$1,061/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,044 · 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).