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$19,511
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$617/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$591/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$740/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,746
−HK$709/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$863/mo
Today · 4.125%
HK$29,029
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,058/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$827/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,213
−HK$1,110/mo
Today · 4.125%
HK$37,323
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,646/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,071
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,119
−HK$1,063/mo
Today · 4.125%
HK$41,182
baseline
▲ 0.50% · 4.625%
HK$43,353
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,364/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,701 · 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).