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$19,486
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$616/mo
Today · 4.125%
HK$20,708
baseline
▲ 0.50% · 4.625%
HK$21,968
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,416/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,678
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$590/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$739/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,014
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$708/mo
Today · 4.125%
HK$27,419
baseline
▲ 0.50% · 4.625%
HK$28,864
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,838/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,129
−HK$862/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$826/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$1,108/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,062/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,296
+HK$2,167/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,366 · 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).