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$19,491
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$616/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$590/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$739/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$707/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$862/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$826/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$1,108/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,553
+HK$2,269/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,078
−HK$1,062/mo
Today · 4.125%
HK$41,140
baseline
▲ 0.50% · 4.625%
HK$43,308
+HK$2,168/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,280/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,436 · 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).