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$19,473
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$615/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,954
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$589/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$738/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,694
−HK$707/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,263
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$861/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$825/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,142
−HK$1,108/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$2,266/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,061/mo
Today · 4.125%
HK$41,102
baseline
▲ 0.50% · 4.625%
HK$43,268
+HK$2,166/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,204/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,198 · 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).