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$19,465
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$615/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$589/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,511/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,099
−HK$861/mo
Today · 4.125%
HK$28,960
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,920/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,317
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$825/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,038
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$1,108/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$2,265/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,979
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,061/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,251
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,094 · 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).