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$19,528
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$618/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,725
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$591/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$741/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$709/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$864/mo
Today · 4.125%
HK$29,054
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,108/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$828/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$33,748
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,150
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$1,111/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,104
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,153
−HK$1,064/mo
Today · 4.125%
HK$41,217
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,173/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,434/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,919 · 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).