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$19,488
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$616/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$740/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,016
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$708/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$862/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$825/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,108/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,546
+HK$2,269/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,062/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,168/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,387 · 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).