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$19,527
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$617/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$741/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$710/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,188
−HK$864/mo
Today · 4.125%
HK$29,052
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,768/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,104/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,413
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$827/mo
Today · 4.125%
HK$32,056
baseline
▲ 0.50% · 4.625%
HK$33,746
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,112/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,242
−HK$1,111/mo
Today · 4.125%
HK$37,353
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,706/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,102
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,151
−HK$1,064/mo
Today · 4.125%
HK$41,215
baseline
▲ 0.50% · 4.625%
HK$43,388
+HK$2,173/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,430/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,906 · 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).