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$19,467
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$615/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$589/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$738/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$707/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$861/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$825/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,131
−HK$1,108/mo
Today · 4.125%
HK$37,239
baseline
▲ 0.50% · 4.625%
HK$39,505
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,478/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,983
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,029
−HK$1,060/mo
Today · 4.125%
HK$41,089
baseline
▲ 0.50% · 4.625%
HK$43,255
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,178/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,122 · 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).