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$19,487
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$615/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,261/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$739/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$708/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,282
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$862/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$826/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,077
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,108/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,023
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,062/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,168/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,385 · 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).