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$19,505
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$616/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$591/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$740/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$708/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$863/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$826/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$1,110/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,581
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,106
−HK$1,063/mo
Today · 4.125%
HK$41,169
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,338/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,618 · 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).