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$19,518
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$617/mo
Today · 4.125%
HK$20,742
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,484/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$590/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$740/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,404
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,056
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$709/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$863/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$827/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$1,110/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,084
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,063/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,172/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,783 · 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).