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$19,514
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,121
−HK$617/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$590/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,417
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$741/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$709/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$28,906
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,320
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$863/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,393
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$827/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,724
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$1,110/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,600
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,063/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,359
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,738 · 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).