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$19,465
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$615/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$589/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$738/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,511/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$707/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$861/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$825/mo
Today · 4.125%
HK$31,954
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,908/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,036
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,126
−HK$1,108/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$2,265/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,978
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,023
−HK$1,061/mo
Today · 4.125%
HK$41,084
baseline
▲ 0.50% · 4.625%
HK$43,249
+HK$2,165/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,168/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,086 · 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).