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$19,464
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$615/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$589/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,357
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$738/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$707/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$861/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$824/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,036
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,126
−HK$1,107/mo
Today · 4.125%
HK$37,233
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,466/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,977
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,061/mo
Today · 4.125%
HK$41,083
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,165/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,166/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,082 · 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).