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$19,504
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,110
−HK$617/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,698
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$590/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,075
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$740/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$709/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$28,890
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,305
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$863/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$827/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,107
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,199
−HK$1,109/mo
Today · 4.125%
HK$37,308
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,616/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,056
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,103
−HK$1,063/mo
Today · 4.125%
HK$41,166
baseline
▲ 0.50% · 4.625%
HK$43,336
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,332/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,599 · 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).