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$19,513
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$617/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,999
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$590/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$709/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,319
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$863/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$827/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$1,110/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,075
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,063/mo
Today · 4.125%
HK$41,186
baseline
▲ 0.50% · 4.625%
HK$43,357
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,372/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,728 · 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).