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$19,520
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$617/mo
Today · 4.125%
HK$20,745
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,490/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$591/mo
Today · 4.125%
HK$22,890
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,780/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,424
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$740/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,758
−HK$709/mo
Today · 4.125%
HK$27,467
baseline
▲ 0.50% · 4.625%
HK$28,915
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,934/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$863/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$827/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$1,110/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,063/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,172/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,819 · 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).