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$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$616/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$590/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$740/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$709/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,299
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,148
−HK$863/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,776
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,370
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$827/mo
Today · 4.125%
HK$32,011
baseline
▲ 0.50% · 4.625%
HK$33,698
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,022/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$1,109/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,047
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,063/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,542 · 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).