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$19,516
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,123
−HK$616/mo
Today · 4.125%
HK$20,739
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,478/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,293
−HK$591/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,090
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$740/mo
Today · 4.125%
HK$24,887
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,774/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,053
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$709/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$863/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$827/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,128
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$1,110/mo
Today · 4.125%
HK$37,331
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,662/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,080
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,063/mo
Today · 4.125%
HK$41,191
baseline
▲ 0.50% · 4.625%
HK$43,362
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,382/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,756 · 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).