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$19,501
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,108
−HK$616/mo
Today · 4.125%
HK$20,724
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,448/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$590/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,402
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$739/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$709/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,302
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,151
−HK$863/mo
Today · 4.125%
HK$29,014
baseline
▲ 0.50% · 4.625%
HK$30,779
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,028/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,373
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$826/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,702
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$1,110/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,098
−HK$1,063/mo
Today · 4.125%
HK$41,161
baseline
▲ 0.50% · 4.625%
HK$43,331
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,322/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,568 · 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).