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$19,525
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$617/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$591/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$740/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$710/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$864/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$828/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,742
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$1,111/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$2,272/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,098
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,063/mo
Today · 4.125%
HK$41,210
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,173/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,420/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,877 · 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).