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$19,501
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$617/mo
Today · 4.125%
HK$20,724
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,448/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$590/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,072
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,129
−HK$739/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$709/mo
Today · 4.125%
HK$27,440
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,880/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$863/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,187
−HK$826/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$1,110/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,063/mo
Today · 4.125%
HK$41,160
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,320/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,561 · 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).