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$19,462
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$615/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,652
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$589/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,355
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$738/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,330
+HK$1,511/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$707/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$861/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,312
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,125
−HK$825/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,634
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,032
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$1,107/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$2,265/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,061/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,244
+HK$2,165/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,055 · 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).