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$19,463
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$615/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,233
−HK$590/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,026
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$739/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$707/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$861/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$825/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,034
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$1,107/mo
Today · 4.125%
HK$37,231
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$2,265/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,462/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,020
−HK$1,061/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,246
+HK$2,165/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,068 · 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).