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$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$616/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$590/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$740/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,381
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$708/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$863/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$826/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$1,109/mo
Today · 4.125%
HK$37,302
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,604/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,049
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,096
−HK$1,063/mo
Today · 4.125%
HK$41,159
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,318/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,555 · 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).