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$19,459
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$615/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$589/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,202/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,351
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,077
−HK$738/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,674
−HK$707/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,243
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$861/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$825/mo
Today · 4.125%
HK$31,945
baseline
▲ 0.50% · 4.625%
HK$33,629
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,890/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,026
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$1,107/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,060/mo
Today · 4.125%
HK$41,072
baseline
▲ 0.50% · 4.625%
HK$43,237
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,144/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,013 · 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).