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$19,481
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$615/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$590/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,377
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$739/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,354
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$708/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,273
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$862/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,341
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$825/mo
Today · 4.125%
HK$31,980
baseline
▲ 0.50% · 4.625%
HK$33,666
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,960/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,156
−HK$1,108/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,532
+HK$2,268/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,061/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,285
+HK$2,168/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,296 · 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).