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$19,482
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$616/mo
Today · 4.125%
HK$20,704
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,408/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$589/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$738/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,008
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$707/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$862/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$825/mo
Today · 4.125%
HK$31,982
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,964/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,068
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$1,109/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,061/mo
Today · 4.125%
HK$41,120
baseline
▲ 0.50% · 4.625%
HK$43,288
+HK$2,168/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,240/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,314 · 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).