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$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$617/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,260/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$590/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,069
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$740/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$708/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$863/mo
Today · 4.125%
HK$29,010
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,020/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,369
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$826/mo
Today · 4.125%
HK$32,010
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,020/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,098
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$1,109/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,093
−HK$1,063/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,535 · 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).