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$1,223/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$616/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$590/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$709/mo
Today · 4.125%
HK$27,454
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,908/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$863/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,203
−HK$826/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$1,110/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$2,270/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,070
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,063/mo
Today · 4.125%
HK$41,181
baseline
▲ 0.50% · 4.625%
HK$43,351
+HK$2,170/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,362/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,691 · 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).