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$19,489
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$616/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$590/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$739/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$708/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$28,868
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$862/mo
Today · 4.125%
HK$28,995
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,990/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$826/mo
Today · 4.125%
HK$31,993
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,986/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$1,109/mo
Today · 4.125%
HK$37,280
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,560/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,062/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,169/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,402 · 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).