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$19,497
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$616/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$590/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$739/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$708/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$863/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$826/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,186
−HK$1,109/mo
Today · 4.125%
HK$37,295
baseline
▲ 0.50% · 4.625%
HK$39,564
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,590/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,042
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,089
−HK$1,062/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,506 · 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).