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$19,485
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,091
−HK$616/mo
Today · 4.125%
HK$20,707
baseline
▲ 0.50% · 4.625%
HK$21,967
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,414/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$590/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,382
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$739/mo
Today · 4.125%
HK$24,848
baseline
▲ 0.50% · 4.625%
HK$26,360
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,696/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,012
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$708/mo
Today · 4.125%
HK$27,418
baseline
▲ 0.50% · 4.625%
HK$28,863
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,836/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$825/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,073
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,164
−HK$1,109/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,540
+HK$2,267/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,018
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,062/mo
Today · 4.125%
HK$41,127
baseline
▲ 0.50% · 4.625%
HK$43,294
+HK$2,167/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,254/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,354 · 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).