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$19,466
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$616/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$590/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$707/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$861/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$825/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,129
−HK$1,107/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,502
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,060/mo
Today · 4.125%
HK$41,086
baseline
▲ 0.50% · 4.625%
HK$43,252
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,172/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,103 · 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).