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$1,223/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$616/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$590/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,206/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$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,397
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,125
−HK$739/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$708/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$863/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$826/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$1,109/mo
Today · 4.125%
HK$37,296
baseline
▲ 0.50% · 4.625%
HK$39,565
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,592/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,062/mo
Today · 4.125%
HK$41,152
baseline
▲ 0.50% · 4.625%
HK$43,322
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,304/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,516 · 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).